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$59,410
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,258
−HK$1,878/mo
Today · 4.125%
HK$63,136
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,272/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,093
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,866
−HK$1,798/mo
Today · 4.125%
HK$69,664
baseline
▲ 0.50% · 4.625%
HK$73,336
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,328/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,292
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,510
−HK$2,253/mo
Today · 4.125%
HK$75,763
baseline
▲ 0.50% · 4.625%
HK$80,373
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,526/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,312
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,439
−HK$2,158/mo
Today · 4.125%
HK$83,597
baseline
▲ 0.50% · 4.625%
HK$88,004
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,194/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,175
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,762
−HK$2,628/mo
Today · 4.125%
HK$88,390
baseline
▲ 0.50% · 4.625%
HK$93,769
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,780/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,531
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,013
−HK$2,517/mo
Today · 4.125%
HK$97,530
baseline
▲ 0.50% · 4.625%
HK$102,671
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,060/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,939
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,265
−HK$3,380/mo
Today · 4.125%
HK$113,645
baseline
▲ 0.50% · 4.625%
HK$120,560
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,290/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,968
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,159
−HK$3,237/mo
Today · 4.125%
HK$125,396
baseline
▲ 0.50% · 4.625%
HK$132,006
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,792/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,307 · Scale 2, in force from 26 Feb 2026)