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$59,716
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,887/mo
Today · 4.125%
HK$63,461
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,922/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,434
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$1,808/mo
Today · 4.125%
HK$70,023
baseline
▲ 0.50% · 4.625%
HK$73,714
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,046/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,659
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,888
−HK$2,265/mo
Today · 4.125%
HK$76,153
baseline
▲ 0.50% · 4.625%
HK$80,787
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,306/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,720
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,858
−HK$2,169/mo
Today · 4.125%
HK$84,027
baseline
▲ 0.50% · 4.625%
HK$88,456
+HK$4,429/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,054/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,602
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,203
−HK$2,642/mo
Today · 4.125%
HK$88,845
baseline
▲ 0.50% · 4.625%
HK$94,251
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,690/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,007
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,501
−HK$2,531/mo
Today · 4.125%
HK$98,032
baseline
▲ 0.50% · 4.625%
HK$103,199
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,064/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,489
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,832
−HK$3,397/mo
Today · 4.125%
HK$114,229
baseline
▲ 0.50% · 4.625%
HK$121,180
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,458/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,580
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,787
−HK$3,254/mo
Today · 4.125%
HK$126,041
baseline
▲ 0.50% · 4.625%
HK$132,685
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,082/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,003 · Scale 2, in force from 26 Feb 2026)