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$59,341
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,186
−HK$1,876/mo
Today · 4.125%
HK$63,062
baseline
▲ 0.50% · 4.625%
HK$66,899
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,124/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,016
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,786
−HK$1,796/mo
Today · 4.125%
HK$69,582
baseline
▲ 0.50% · 4.625%
HK$73,250
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,164/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,209
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,424
−HK$2,250/mo
Today · 4.125%
HK$75,674
baseline
▲ 0.50% · 4.625%
HK$80,279
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,348/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,219
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,344
−HK$2,155/mo
Today · 4.125%
HK$83,499
baseline
▲ 0.50% · 4.625%
HK$87,900
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,998/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,077
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,661
−HK$2,626/mo
Today · 4.125%
HK$88,287
baseline
▲ 0.50% · 4.625%
HK$93,659
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,574/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,422
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,901
−HK$2,514/mo
Today · 4.125%
HK$97,415
baseline
▲ 0.50% · 4.625%
HK$102,550
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,830/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,813
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,136
−HK$3,375/mo
Today · 4.125%
HK$113,511
baseline
▲ 0.50% · 4.625%
HK$120,418
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,022/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,829
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$122,015
−HK$3,233/mo
Today · 4.125%
HK$125,248
baseline
▲ 0.50% · 4.625%
HK$131,850
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,496/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,006 · Scale 2, in force from 26 Feb 2026)