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$59,591
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,444
−HK$1,883/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,294
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,072
−HK$1,804/mo
Today · 4.125%
HK$69,876
baseline
▲ 0.50% · 4.625%
HK$73,559
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,752/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,509
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,733
−HK$2,260/mo
Today · 4.125%
HK$75,993
baseline
▲ 0.50% · 4.625%
HK$80,617
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,986/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,553
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,686
−HK$2,165/mo
Today · 4.125%
HK$83,851
baseline
▲ 0.50% · 4.625%
HK$88,271
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,702/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,427
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,022
−HK$2,636/mo
Today · 4.125%
HK$88,658
baseline
▲ 0.50% · 4.625%
HK$94,053
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,316/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,812
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,301
−HK$2,525/mo
Today · 4.125%
HK$97,826
baseline
▲ 0.50% · 4.625%
HK$102,982
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,652/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,263
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,600
−HK$3,389/mo
Today · 4.125%
HK$113,989
baseline
▲ 0.50% · 4.625%
HK$120,925
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,978/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,329
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,529
−HK$3,247/mo
Today · 4.125%
HK$125,776
baseline
▲ 0.50% · 4.625%
HK$132,406
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,552/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,666 · Scale 2, in force from 26 Feb 2026)