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$59,402
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,250
−HK$1,877/mo
Today · 4.125%
HK$63,127
baseline
▲ 0.50% · 4.625%
HK$66,968
+HK$3,841/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,254/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,084
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,856
−HK$1,798/mo
Today · 4.125%
HK$69,654
baseline
▲ 0.50% · 4.625%
HK$73,326
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,308/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,282
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,500
−HK$2,252/mo
Today · 4.125%
HK$75,752
baseline
▲ 0.50% · 4.625%
HK$80,362
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,504/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,301
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,428
−HK$2,157/mo
Today · 4.125%
HK$83,585
baseline
▲ 0.50% · 4.625%
HK$87,991
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,170/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,163
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,749
−HK$2,629/mo
Today · 4.125%
HK$88,378
baseline
▲ 0.50% · 4.625%
HK$93,755
+HK$5,377/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,756/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,518
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,999
−HK$2,517/mo
Today · 4.125%
HK$97,516
baseline
▲ 0.50% · 4.625%
HK$102,656
+HK$5,140/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,032/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,923
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,249
−HK$3,379/mo
Today · 4.125%
HK$113,628
baseline
▲ 0.50% · 4.625%
HK$120,542
+HK$6,914/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,256/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,951
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,141
−HK$3,237/mo
Today · 4.125%
HK$125,378
baseline
▲ 0.50% · 4.625%
HK$131,987
+HK$6,609/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,756/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,148 · Scale 2, in force from 26 Feb 2026)