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$59,667
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,523
−HK$1,886/mo
Today · 4.125%
HK$63,409
baseline
▲ 0.50% · 4.625%
HK$67,267
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,818/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,379
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,159
−HK$1,806/mo
Today · 4.125%
HK$69,965
baseline
▲ 0.50% · 4.625%
HK$73,653
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,930/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,600
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,828
−HK$2,262/mo
Today · 4.125%
HK$76,090
baseline
▲ 0.50% · 4.625%
HK$80,720
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,180/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,655
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,791
−HK$2,167/mo
Today · 4.125%
HK$83,958
baseline
▲ 0.50% · 4.625%
HK$88,384
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,916/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,534
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,132
−HK$2,640/mo
Today · 4.125%
HK$88,772
baseline
▲ 0.50% · 4.625%
HK$94,174
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,544/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,931
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,423
−HK$2,528/mo
Today · 4.125%
HK$97,951
baseline
▲ 0.50% · 4.625%
HK$103,114
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,902/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,401
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,741
−HK$3,395/mo
Today · 4.125%
HK$114,136
baseline
▲ 0.50% · 4.625%
HK$121,080
+HK$6,944/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,272/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,482
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,687
−HK$3,250/mo
Today · 4.125%
HK$125,937
baseline
▲ 0.50% · 4.625%
HK$132,576
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,874/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,090 · Scale 2, in force from 26 Feb 2026)