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$59,663
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,886/mo
Today · 4.125%
HK$63,404
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,808/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,374
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,154
−HK$1,806/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$73,648
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,595
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,822
−HK$2,263/mo
Today · 4.125%
HK$76,085
baseline
▲ 0.50% · 4.625%
HK$80,714
+HK$4,629/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,170/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,649
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,785
−HK$2,167/mo
Today · 4.125%
HK$83,952
baseline
▲ 0.50% · 4.625%
HK$88,377
+HK$4,425/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,904/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,528
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,126
−HK$2,640/mo
Today · 4.125%
HK$88,766
baseline
▲ 0.50% · 4.625%
HK$94,167
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,532/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,924
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,416
−HK$2,528/mo
Today · 4.125%
HK$97,944
baseline
▲ 0.50% · 4.625%
HK$103,107
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,888/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,393
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,733
−HK$3,394/mo
Today · 4.125%
HK$114,127
baseline
▲ 0.50% · 4.625%
HK$121,071
+HK$6,944/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,254/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,473
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,677
−HK$3,251/mo
Today · 4.125%
HK$125,928
baseline
▲ 0.50% · 4.625%
HK$132,566
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,856/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,007 · Scale 2, in force from 26 Feb 2026)