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$59,466
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,316
−HK$1,879/mo
Today · 4.125%
HK$63,195
baseline
▲ 0.50% · 4.625%
HK$67,041
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,390/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,156
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,930
−HK$1,800/mo
Today · 4.125%
HK$69,730
baseline
▲ 0.50% · 4.625%
HK$73,405
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,460/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,360
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,579
−HK$2,255/mo
Today · 4.125%
HK$75,834
baseline
▲ 0.50% · 4.625%
HK$80,449
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,668/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,387
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,516
−HK$2,160/mo
Today · 4.125%
HK$83,676
baseline
▲ 0.50% · 4.625%
HK$88,086
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,352/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,253
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,842
−HK$2,631/mo
Today · 4.125%
HK$88,473
baseline
▲ 0.50% · 4.625%
HK$93,857
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,946/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,618
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,102
−HK$2,520/mo
Today · 4.125%
HK$97,622
baseline
▲ 0.50% · 4.625%
HK$102,768
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,244/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,039
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,369
−HK$3,383/mo
Today · 4.125%
HK$113,752
baseline
▲ 0.50% · 4.625%
HK$120,673
+HK$6,921/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,504/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,080
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,274
−HK$3,240/mo
Today · 4.125%
HK$125,514
baseline
▲ 0.50% · 4.625%
HK$132,130
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,028/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,348 · Scale 2, in force from 26 Feb 2026)