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$59,322
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,167
−HK$1,875/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,878
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,995
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,765
−HK$1,795/mo
Today · 4.125%
HK$69,560
baseline
▲ 0.50% · 4.625%
HK$73,227
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,120/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,186
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,400
−HK$2,250/mo
Today · 4.125%
HK$75,650
baseline
▲ 0.50% · 4.625%
HK$80,253
+HK$4,603/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,300/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,194
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,318
−HK$2,154/mo
Today · 4.125%
HK$83,472
baseline
▲ 0.50% · 4.625%
HK$87,872
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,944/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,050
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,634
−HK$2,624/mo
Today · 4.125%
HK$88,258
baseline
▲ 0.50% · 4.625%
HK$93,629
+HK$5,371/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,516/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,393
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,871
−HK$2,513/mo
Today · 4.125%
HK$97,384
baseline
▲ 0.50% · 4.625%
HK$102,518
+HK$5,134/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,768/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,779
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,100
−HK$3,375/mo
Today · 4.125%
HK$113,475
baseline
▲ 0.50% · 4.625%
HK$120,380
+HK$6,905/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,950/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,790
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,976
−HK$3,232/mo
Today · 4.125%
HK$125,208
baseline
▲ 0.50% · 4.625%
HK$131,808
+HK$6,600/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,416/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,652 · Scale 2, in force from 26 Feb 2026)