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$59,401
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,249
−HK$1,877/mo
Today · 4.125%
HK$63,126
baseline
▲ 0.50% · 4.625%
HK$66,967
+HK$3,841/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,252/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,083
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,855
−HK$1,798/mo
Today · 4.125%
HK$69,653
baseline
▲ 0.50% · 4.625%
HK$73,325
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,306/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,281
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,498
−HK$2,253/mo
Today · 4.125%
HK$75,751
baseline
▲ 0.50% · 4.625%
HK$80,360
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,502/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,299
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,426
−HK$2,158/mo
Today · 4.125%
HK$83,584
baseline
▲ 0.50% · 4.625%
HK$87,990
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,168/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,161
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,748
−HK$2,628/mo
Today · 4.125%
HK$88,376
baseline
▲ 0.50% · 4.625%
HK$93,754
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,752/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,516
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,997
−HK$2,517/mo
Today · 4.125%
HK$97,514
baseline
▲ 0.50% · 4.625%
HK$102,655
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,028/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,922
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,247
−HK$3,380/mo
Today · 4.125%
HK$113,627
baseline
▲ 0.50% · 4.625%
HK$120,540
+HK$6,913/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,254/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,949
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,139
−HK$3,237/mo
Today · 4.125%
HK$125,376
baseline
▲ 0.50% · 4.625%
HK$131,984
+HK$6,608/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,752/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,129 · Scale 2, in force from 26 Feb 2026)