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$59,519
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,370
−HK$1,881/mo
Today · 4.125%
HK$63,251
baseline
▲ 0.50% · 4.625%
HK$67,100
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,502/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,214
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,990
−HK$1,802/mo
Today · 4.125%
HK$69,792
baseline
▲ 0.50% · 4.625%
HK$73,470
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,584/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,423
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,644
−HK$2,258/mo
Today · 4.125%
HK$75,902
baseline
▲ 0.50% · 4.625%
HK$80,520
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,804/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,457
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,588
−HK$2,162/mo
Today · 4.125%
HK$83,750
baseline
▲ 0.50% · 4.625%
HK$88,165
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,500/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,327
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,918
−HK$2,634/mo
Today · 4.125%
HK$88,552
baseline
▲ 0.50% · 4.625%
HK$93,940
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,104/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,700
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,186
−HK$2,522/mo
Today · 4.125%
HK$97,708
baseline
▲ 0.50% · 4.625%
HK$102,859
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,416/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,134
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,467
−HK$3,385/mo
Today · 4.125%
HK$113,852
baseline
▲ 0.50% · 4.625%
HK$120,780
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,704/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,186
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,382
−HK$3,243/mo
Today · 4.125%
HK$125,625
baseline
▲ 0.50% · 4.625%
HK$132,247
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,250/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,330 · Scale 2, in force from 26 Feb 2026)