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$59,508
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,360
−HK$1,880/mo
Today · 4.125%
HK$63,240
baseline
▲ 0.50% · 4.625%
HK$67,088
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,480/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,203
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,978
−HK$1,801/mo
Today · 4.125%
HK$69,779
baseline
▲ 0.50% · 4.625%
HK$73,457
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,558/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,410
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,631
−HK$2,257/mo
Today · 4.125%
HK$75,888
baseline
▲ 0.50% · 4.625%
HK$80,506
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,776/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,443
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,574
−HK$2,161/mo
Today · 4.125%
HK$83,735
baseline
▲ 0.50% · 4.625%
HK$88,149
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,470/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,312
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,903
−HK$2,633/mo
Today · 4.125%
HK$88,536
baseline
▲ 0.50% · 4.625%
HK$93,923
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,072/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,684
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,169
−HK$2,522/mo
Today · 4.125%
HK$97,691
baseline
▲ 0.50% · 4.625%
HK$102,840
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,382/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,115
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,447
−HK$3,385/mo
Today · 4.125%
HK$113,832
baseline
▲ 0.50% · 4.625%
HK$120,759
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,664/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,165
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,361
−HK$3,242/mo
Today · 4.125%
HK$125,603
baseline
▲ 0.50% · 4.625%
HK$132,223
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,206/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,135 · Scale 2, in force from 26 Feb 2026)