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$59,339
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,184
−HK$1,876/mo
Today · 4.125%
HK$63,060
baseline
▲ 0.50% · 4.625%
HK$66,897
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,120/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,014
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,784
−HK$1,796/mo
Today · 4.125%
HK$69,580
baseline
▲ 0.50% · 4.625%
HK$73,248
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,160/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,206
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,421
−HK$2,251/mo
Today · 4.125%
HK$75,672
baseline
▲ 0.50% · 4.625%
HK$80,276
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,344/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,216
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,341
−HK$2,155/mo
Today · 4.125%
HK$83,496
baseline
▲ 0.50% · 4.625%
HK$87,897
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,992/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,658
−HK$2,626/mo
Today · 4.125%
HK$88,284
baseline
▲ 0.50% · 4.625%
HK$93,656
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,568/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,419
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,898
−HK$2,514/mo
Today · 4.125%
HK$97,412
baseline
▲ 0.50% · 4.625%
HK$102,547
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,824/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,810
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,132
−HK$3,376/mo
Today · 4.125%
HK$113,508
baseline
▲ 0.50% · 4.625%
HK$120,414
+HK$6,906/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,016/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,825
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$122,012
−HK$3,232/mo
Today · 4.125%
HK$125,244
baseline
▲ 0.50% · 4.625%
HK$131,846
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,488/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,970 · Scale 2, in force from 26 Feb 2026)