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$59,500
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,351
−HK$1,881/mo
Today · 4.125%
HK$63,232
baseline
▲ 0.50% · 4.625%
HK$67,079
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,464/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,194
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,969
−HK$1,801/mo
Today · 4.125%
HK$69,770
baseline
▲ 0.50% · 4.625%
HK$73,447
+HK$3,677/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,540/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,400
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,621
−HK$2,257/mo
Today · 4.125%
HK$75,878
baseline
▲ 0.50% · 4.625%
HK$80,495
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,756/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,432
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,563
−HK$2,161/mo
Today · 4.125%
HK$83,724
baseline
▲ 0.50% · 4.625%
HK$88,137
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,448/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,301
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,892
−HK$2,632/mo
Today · 4.125%
HK$88,524
baseline
▲ 0.50% · 4.625%
HK$93,911
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,048/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,671
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,156
−HK$2,522/mo
Today · 4.125%
HK$97,678
baseline
▲ 0.50% · 4.625%
HK$102,826
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,356/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,101
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,432
−HK$3,385/mo
Today · 4.125%
HK$113,817
baseline
▲ 0.50% · 4.625%
HK$120,742
+HK$6,925/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,634/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,148
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,344
−HK$3,242/mo
Today · 4.125%
HK$125,586
baseline
▲ 0.50% · 4.625%
HK$132,205
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,172/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,984 · Scale 2, in force from 26 Feb 2026)