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$59,397
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,245
−HK$1,877/mo
Today · 4.125%
HK$63,122
baseline
▲ 0.50% · 4.625%
HK$66,963
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,244/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,079
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,851
−HK$1,798/mo
Today · 4.125%
HK$69,649
baseline
▲ 0.50% · 4.625%
HK$73,320
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,298/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,277
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,494
−HK$2,253/mo
Today · 4.125%
HK$75,747
baseline
▲ 0.50% · 4.625%
HK$80,356
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,494/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,295
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,421
−HK$2,158/mo
Today · 4.125%
HK$83,579
baseline
▲ 0.50% · 4.625%
HK$87,984
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,158/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,156
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,743
−HK$2,628/mo
Today · 4.125%
HK$88,371
baseline
▲ 0.50% · 4.625%
HK$93,748
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,742/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,511
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,992
−HK$2,517/mo
Today · 4.125%
HK$97,509
baseline
▲ 0.50% · 4.625%
HK$102,649
+HK$5,140/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,018/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,915
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,241
−HK$3,379/mo
Today · 4.125%
HK$113,620
baseline
▲ 0.50% · 4.625%
HK$120,533
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,240/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,942
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,132
−HK$3,236/mo
Today · 4.125%
HK$125,368
baseline
▲ 0.50% · 4.625%
HK$131,977
+HK$6,609/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,736/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,065 · Scale 2, in force from 26 Feb 2026)