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$59,460
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,310
−HK$1,879/mo
Today · 4.125%
HK$63,189
baseline
▲ 0.50% · 4.625%
HK$67,034
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,378/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,149
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,923
−HK$1,799/mo
Today · 4.125%
HK$69,722
baseline
▲ 0.50% · 4.625%
HK$73,398
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,444/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,352
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$2,255/mo
Today · 4.125%
HK$75,826
baseline
▲ 0.50% · 4.625%
HK$80,440
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,652/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,378
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,507
−HK$2,160/mo
Today · 4.125%
HK$83,667
baseline
▲ 0.50% · 4.625%
HK$88,077
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,334/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,244
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,833
−HK$2,631/mo
Today · 4.125%
HK$88,464
baseline
▲ 0.50% · 4.625%
HK$93,847
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,928/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,608
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,092
−HK$2,519/mo
Today · 4.125%
HK$97,611
baseline
▲ 0.50% · 4.625%
HK$102,757
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,222/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,028
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,357
−HK$3,383/mo
Today · 4.125%
HK$113,740
baseline
▲ 0.50% · 4.625%
HK$120,660
+HK$6,920/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,480/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,068
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,261
−HK$3,239/mo
Today · 4.125%
HK$125,500
baseline
▲ 0.50% · 4.625%
HK$132,116
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,000/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,232 · Scale 2, in force from 26 Feb 2026)