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$59,446
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,879/mo
Today · 4.125%
HK$63,174
baseline
▲ 0.50% · 4.625%
HK$67,018
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,348/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,133
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,907
−HK$1,799/mo
Today · 4.125%
HK$69,706
baseline
▲ 0.50% · 4.625%
HK$73,380
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,412/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,335
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,554
−HK$2,255/mo
Today · 4.125%
HK$75,809
baseline
▲ 0.50% · 4.625%
HK$80,421
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,618/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,360
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,488
−HK$2,159/mo
Today · 4.125%
HK$83,647
baseline
▲ 0.50% · 4.625%
HK$88,056
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,294/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,224
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,813
−HK$2,630/mo
Today · 4.125%
HK$88,443
baseline
▲ 0.50% · 4.625%
HK$93,825
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,886/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,586
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,069
−HK$2,519/mo
Today · 4.125%
HK$97,588
baseline
▲ 0.50% · 4.625%
HK$102,732
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,176/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,003
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,331
−HK$3,382/mo
Today · 4.125%
HK$113,713
baseline
▲ 0.50% · 4.625%
HK$120,632
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,426/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,039
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,232
−HK$3,239/mo
Today · 4.125%
HK$125,471
baseline
▲ 0.50% · 4.625%
HK$132,085
+HK$6,614/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,942/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,970 · Scale 2, in force from 26 Feb 2026)