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$59,623
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,477
−HK$1,884/mo
Today · 4.125%
HK$63,361
baseline
▲ 0.50% · 4.625%
HK$67,217
+HK$3,856/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,722/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,329
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,108
−HK$1,805/mo
Today · 4.125%
HK$69,913
baseline
▲ 0.50% · 4.625%
HK$73,598
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,826/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,547
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,773
−HK$2,261/mo
Today · 4.125%
HK$76,034
baseline
▲ 0.50% · 4.625%
HK$80,660
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,068/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,595
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,730
−HK$2,166/mo
Today · 4.125%
HK$83,896
baseline
▲ 0.50% · 4.625%
HK$88,318
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,792/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,472
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,068
−HK$2,638/mo
Today · 4.125%
HK$88,706
baseline
▲ 0.50% · 4.625%
HK$94,103
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,412/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,861
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,352
−HK$2,526/mo
Today · 4.125%
HK$97,878
baseline
▲ 0.50% · 4.625%
HK$103,038
+HK$5,160/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,756/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,321
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,659
−HK$3,391/mo
Today · 4.125%
HK$114,050
baseline
▲ 0.50% · 4.625%
HK$120,990
+HK$6,940/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,100/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,393
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,595
−HK$3,248/mo
Today · 4.125%
HK$125,843
baseline
▲ 0.50% · 4.625%
HK$132,477
+HK$6,634/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,686/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,260 · Scale 2, in force from 26 Feb 2026)