The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$59,479
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,329
−HK$1,880/mo
Today · 4.125%
HK$63,209
baseline
▲ 0.50% · 4.625%
HK$67,055
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,418/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,170
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,944
−HK$1,801/mo
Today · 4.125%
HK$69,745
baseline
▲ 0.50% · 4.625%
HK$73,421
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,490/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,375
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,595
−HK$2,256/mo
Today · 4.125%
HK$75,851
baseline
▲ 0.50% · 4.625%
HK$80,466
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,702/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,404
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,533
−HK$2,161/mo
Today · 4.125%
HK$83,694
baseline
▲ 0.50% · 4.625%
HK$88,105
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,388/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,271
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,861
−HK$2,631/mo
Today · 4.125%
HK$88,492
baseline
▲ 0.50% · 4.625%
HK$93,877
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,984/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,638
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,122
−HK$2,521/mo
Today · 4.125%
HK$97,643
baseline
▲ 0.50% · 4.625%
HK$102,790
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,286/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,062
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,393
−HK$3,383/mo
Today · 4.125%
HK$113,776
baseline
▲ 0.50% · 4.625%
HK$120,699
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,552/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,106
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,300
−HK$3,241/mo
Today · 4.125%
HK$125,541
baseline
▲ 0.50% · 4.625%
HK$132,158
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,082/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,586 · Scale 2, in force from 26 Feb 2026)