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$59,548
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,400
−HK$1,882/mo
Today · 4.125%
HK$63,282
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,564/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,023
−HK$1,803/mo
Today · 4.125%
HK$69,826
baseline
▲ 0.50% · 4.625%
HK$73,506
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,652/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,458
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,680
−HK$2,259/mo
Today · 4.125%
HK$75,939
baseline
▲ 0.50% · 4.625%
HK$80,559
+HK$4,620/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,878/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,496
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,628
−HK$2,163/mo
Today · 4.125%
HK$83,791
baseline
▲ 0.50% · 4.625%
HK$88,208
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,582/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,367
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,960
−HK$2,635/mo
Today · 4.125%
HK$88,595
baseline
▲ 0.50% · 4.625%
HK$93,986
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,190/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,745
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,233
−HK$2,523/mo
Today · 4.125%
HK$97,756
baseline
▲ 0.50% · 4.625%
HK$102,909
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,512/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,186
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,521
−HK$3,387/mo
Today · 4.125%
HK$113,908
baseline
▲ 0.50% · 4.625%
HK$120,839
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,816/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,244
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,442
−HK$3,244/mo
Today · 4.125%
HK$125,686
baseline
▲ 0.50% · 4.625%
HK$132,311
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,372/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,871 · Scale 2, in force from 26 Feb 2026)