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$59,440
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,288
−HK$1,879/mo
Today · 4.125%
HK$63,167
baseline
▲ 0.50% · 4.625%
HK$67,010
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,334/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,126
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,899
−HK$1,799/mo
Today · 4.125%
HK$69,698
baseline
▲ 0.50% · 4.625%
HK$73,372
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,396/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,327
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,546
−HK$2,254/mo
Today · 4.125%
HK$75,800
baseline
▲ 0.50% · 4.625%
HK$80,413
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,600/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,351
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,479
−HK$2,159/mo
Today · 4.125%
HK$83,638
baseline
▲ 0.50% · 4.625%
HK$88,047
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,276/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,215
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,630/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,815
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,576
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,059
−HK$2,519/mo
Today · 4.125%
HK$97,578
baseline
▲ 0.50% · 4.625%
HK$102,721
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,156/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,991
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,319
−HK$3,381/mo
Today · 4.125%
HK$113,700
baseline
▲ 0.50% · 4.625%
HK$120,619
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,400/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,027
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,219
−HK$3,238/mo
Today · 4.125%
HK$125,457
baseline
▲ 0.50% · 4.625%
HK$132,070
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,914/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,850 · Scale 2, in force from 26 Feb 2026)