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$59,568
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,420
−HK$1,883/mo
Today · 4.125%
HK$63,303
baseline
▲ 0.50% · 4.625%
HK$67,155
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,606/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,268
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,046
−HK$1,803/mo
Today · 4.125%
HK$69,849
baseline
▲ 0.50% · 4.625%
HK$73,530
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,698/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,481
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,704
−HK$2,259/mo
Today · 4.125%
HK$75,963
baseline
▲ 0.50% · 4.625%
HK$80,586
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,926/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,522
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,655
−HK$2,163/mo
Today · 4.125%
HK$83,818
baseline
▲ 0.50% · 4.625%
HK$88,236
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,636/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,395
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,989
−HK$2,635/mo
Today · 4.125%
HK$88,624
baseline
▲ 0.50% · 4.625%
HK$94,017
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,248/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,776
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,524/mo
Today · 4.125%
HK$97,788
baseline
▲ 0.50% · 4.625%
HK$102,942
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,576/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,222
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,557
−HK$3,388/mo
Today · 4.125%
HK$113,945
baseline
▲ 0.50% · 4.625%
HK$120,879
+HK$6,934/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,890/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,283
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,482
−HK$3,245/mo
Today · 4.125%
HK$125,727
baseline
▲ 0.50% · 4.625%
HK$132,355
+HK$6,628/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,454/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,235 · Scale 2, in force from 26 Feb 2026)