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$59,543
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,395
−HK$1,882/mo
Today · 4.125%
HK$63,277
baseline
▲ 0.50% · 4.625%
HK$67,127
+HK$3,850/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,554/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,241
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,017
−HK$1,803/mo
Today · 4.125%
HK$69,820
baseline
▲ 0.50% · 4.625%
HK$73,500
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,640/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,452
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,674
−HK$2,258/mo
Today · 4.125%
HK$75,932
baseline
▲ 0.50% · 4.625%
HK$80,552
+HK$4,620/mo
Deposit HK$10.44M · loan HK$15.67M · min. income ≈ HK$151,864/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,489
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,621
−HK$2,163/mo
Today · 4.125%
HK$83,784
baseline
▲ 0.50% · 4.625%
HK$88,200
+HK$4,416/mo
Deposit HK$10.44M · loan HK$15.67M · min. income ≈ HK$167,568/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,360
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,953
−HK$2,635/mo
Today · 4.125%
HK$88,588
baseline
▲ 0.50% · 4.625%
HK$93,978
+HK$5,390/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,176/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,737
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,224
−HK$2,524/mo
Today · 4.125%
HK$97,748
baseline
▲ 0.50% · 4.625%
HK$102,900
+HK$5,152/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,496/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,177
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,511
−HK$3,387/mo
Today · 4.125%
HK$113,898
baseline
▲ 0.50% · 4.625%
HK$120,829
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,796/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,234
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,431
−HK$3,244/mo
Today · 4.125%
HK$125,675
baseline
▲ 0.50% · 4.625%
HK$132,300
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,350/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,777 · Scale 2, in force from 26 Feb 2026)