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$59,487
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,337
−HK$1,880/mo
Today · 4.125%
HK$63,217
baseline
▲ 0.50% · 4.625%
HK$67,064
+HK$3,847/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,434/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,179
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,953
−HK$1,801/mo
Today · 4.125%
HK$69,754
baseline
▲ 0.50% · 4.625%
HK$73,431
+HK$3,677/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,508/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,384
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,605
−HK$2,256/mo
Today · 4.125%
HK$75,861
baseline
▲ 0.50% · 4.625%
HK$80,477
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,722/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,414
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,544
−HK$2,161/mo
Today · 4.125%
HK$83,705
baseline
▲ 0.50% · 4.625%
HK$88,117
+HK$4,412/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,410/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,282
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,872
−HK$2,632/mo
Today · 4.125%
HK$88,504
baseline
▲ 0.50% · 4.625%
HK$93,889
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,008/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,650
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,135
−HK$2,521/mo
Today · 4.125%
HK$97,656
baseline
▲ 0.50% · 4.625%
HK$102,803
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,312/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,076
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,407
−HK$3,384/mo
Today · 4.125%
HK$113,791
baseline
▲ 0.50% · 4.625%
HK$120,715
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,582/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,121
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,316
−HK$3,241/mo
Today · 4.125%
HK$125,557
baseline
▲ 0.50% · 4.625%
HK$132,176
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,114/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,733 · Scale 2, in force from 26 Feb 2026)