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$59,442
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,291
−HK$1,878/mo
Today · 4.125%
HK$63,169
baseline
▲ 0.50% · 4.625%
HK$67,013
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,338/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,128
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,902
−HK$1,799/mo
Today · 4.125%
HK$69,701
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,402/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,330
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,549
−HK$2,254/mo
Today · 4.125%
HK$75,803
baseline
▲ 0.50% · 4.625%
HK$80,415
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,606/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,354
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,482
−HK$2,159/mo
Today · 4.125%
HK$83,641
baseline
▲ 0.50% · 4.625%
HK$88,050
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,282/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,218
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,807
−HK$2,630/mo
Today · 4.125%
HK$88,437
baseline
▲ 0.50% · 4.625%
HK$93,818
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,874/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,580
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,062
−HK$2,519/mo
Today · 4.125%
HK$97,581
baseline
▲ 0.50% · 4.625%
HK$102,725
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,162/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,995
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,323
−HK$3,381/mo
Today · 4.125%
HK$113,704
baseline
▲ 0.50% · 4.625%
HK$120,623
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,408/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,031
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,223
−HK$3,239/mo
Today · 4.125%
HK$125,462
baseline
▲ 0.50% · 4.625%
HK$132,075
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,924/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,889 · Scale 2, in force from 26 Feb 2026)