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$59,669
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,525
−HK$1,885/mo
Today · 4.125%
HK$63,410
baseline
▲ 0.50% · 4.625%
HK$67,269
+HK$3,859/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,820/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,381
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,161
−HK$1,806/mo
Today · 4.125%
HK$69,967
baseline
▲ 0.50% · 4.625%
HK$73,655
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,934/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,602
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,830
−HK$2,263/mo
Today · 4.125%
HK$76,093
baseline
▲ 0.50% · 4.625%
HK$80,723
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,186/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,657
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,793
−HK$2,168/mo
Today · 4.125%
HK$83,961
baseline
▲ 0.50% · 4.625%
HK$88,386
+HK$4,425/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,922/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,536
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,135
−HK$2,640/mo
Today · 4.125%
HK$88,775
baseline
▲ 0.50% · 4.625%
HK$94,176
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,550/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,933
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,528/mo
Today · 4.125%
HK$97,954
baseline
▲ 0.50% · 4.625%
HK$103,117
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,908/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,404
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,744
−HK$3,395/mo
Today · 4.125%
HK$114,139
baseline
▲ 0.50% · 4.625%
HK$121,084
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,278/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,485
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,690
−HK$3,251/mo
Today · 4.125%
HK$125,941
baseline
▲ 0.50% · 4.625%
HK$132,579
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,882/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,120 · Scale 2, in force from 26 Feb 2026)