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$59,366
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,213
−HK$1,876/mo
Today · 4.125%
HK$63,089
baseline
▲ 0.50% · 4.625%
HK$66,928
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,178/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,044
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,816
−HK$1,796/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,282
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,224/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,239
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,455
−HK$2,252/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$80,313
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,253
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,379
−HK$2,156/mo
Today · 4.125%
HK$83,535
baseline
▲ 0.50% · 4.625%
HK$87,938
+HK$4,403/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,070/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,113
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,698
−HK$2,627/mo
Today · 4.125%
HK$88,325
baseline
▲ 0.50% · 4.625%
HK$93,699
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,650/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,462
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,942
−HK$2,515/mo
Today · 4.125%
HK$97,457
baseline
▲ 0.50% · 4.625%
HK$102,595
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,914/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,859
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,183
−HK$3,377/mo
Today · 4.125%
HK$113,560
baseline
▲ 0.50% · 4.625%
HK$120,470
+HK$6,910/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,120/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,880
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,068
−HK$3,234/mo
Today · 4.125%
HK$125,302
baseline
▲ 0.50% · 4.625%
HK$131,907
+HK$6,605/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,604/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,483 · Scale 2, in force from 26 Feb 2026)