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$59,360
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,206
−HK$1,876/mo
Today · 4.125%
HK$63,082
baseline
▲ 0.50% · 4.625%
HK$66,921
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,164/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,037
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,809
−HK$1,796/mo
Today · 4.125%
HK$69,605
baseline
▲ 0.50% · 4.625%
HK$73,274
+HK$3,669/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,210/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,232
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,448
−HK$2,251/mo
Today · 4.125%
HK$75,699
baseline
▲ 0.50% · 4.625%
HK$80,305
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,398/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,245
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,370
−HK$2,156/mo
Today · 4.125%
HK$83,526
baseline
▲ 0.50% · 4.625%
HK$87,929
+HK$4,403/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,052/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,104
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,689
−HK$2,626/mo
Today · 4.125%
HK$88,315
baseline
▲ 0.50% · 4.625%
HK$93,689
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,630/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,452
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,932
−HK$2,515/mo
Today · 4.125%
HK$97,447
baseline
▲ 0.50% · 4.625%
HK$102,584
+HK$5,137/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,894/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,848
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,172
−HK$3,376/mo
Today · 4.125%
HK$113,548
baseline
▲ 0.50% · 4.625%
HK$120,458
+HK$6,910/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,096/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,867
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,055
−HK$3,234/mo
Today · 4.125%
HK$125,289
baseline
▲ 0.50% · 4.625%
HK$131,894
+HK$6,605/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,578/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,368 · Scale 2, in force from 26 Feb 2026)