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$59,344
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,190
−HK$1,876/mo
Today · 4.125%
HK$63,066
baseline
▲ 0.50% · 4.625%
HK$66,903
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,132/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,020
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,790
−HK$1,797/mo
Today · 4.125%
HK$69,587
baseline
▲ 0.50% · 4.625%
HK$73,255
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,174/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,213
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,428
−HK$2,251/mo
Today · 4.125%
HK$75,679
baseline
▲ 0.50% · 4.625%
HK$80,283
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,358/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,224
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,348
−HK$2,156/mo
Today · 4.125%
HK$83,504
baseline
▲ 0.50% · 4.625%
HK$87,905
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,008/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,082
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,666
−HK$2,626/mo
Today · 4.125%
HK$88,292
baseline
▲ 0.50% · 4.625%
HK$93,664
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,584/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,428
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,906
−HK$2,515/mo
Today · 4.125%
HK$97,421
baseline
▲ 0.50% · 4.625%
HK$102,556
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,842/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,819
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,142
−HK$3,376/mo
Today · 4.125%
HK$113,518
baseline
▲ 0.50% · 4.625%
HK$120,425
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,036/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,835
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,023
−HK$3,233/mo
Today · 4.125%
HK$125,256
baseline
▲ 0.50% · 4.625%
HK$131,858
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,512/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,071 · Scale 2, in force from 26 Feb 2026)