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$59,425
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,273
−HK$1,878/mo
Today · 4.125%
HK$63,151
baseline
▲ 0.50% · 4.625%
HK$66,994
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,302/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,110
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,883
−HK$1,798/mo
Today · 4.125%
HK$69,681
baseline
▲ 0.50% · 4.625%
HK$73,354
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,362/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,310
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$2,254/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$80,393
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,332
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,159/mo
Today · 4.125%
HK$83,618
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,236/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,195
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,783
−HK$2,629/mo
Today · 4.125%
HK$88,412
baseline
▲ 0.50% · 4.625%
HK$93,792
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,824/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,554
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,036
−HK$2,518/mo
Today · 4.125%
HK$97,554
baseline
▲ 0.50% · 4.625%
HK$102,696
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,108/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,965
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,292
−HK$3,381/mo
Today · 4.125%
HK$113,673
baseline
▲ 0.50% · 4.625%
HK$120,589
+HK$6,916/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,346/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,997
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,189
−HK$3,238/mo
Today · 4.125%
HK$125,427
baseline
▲ 0.50% · 4.625%
HK$132,038
+HK$6,611/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,854/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,579 · Scale 2, in force from 26 Feb 2026)