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$59,565
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,417
−HK$1,883/mo
Today · 4.125%
HK$63,300
baseline
▲ 0.50% · 4.625%
HK$67,151
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,600/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,265
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,042
−HK$1,803/mo
Today · 4.125%
HK$69,845
baseline
▲ 0.50% · 4.625%
HK$73,527
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,690/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,477
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,701
−HK$2,259/mo
Today · 4.125%
HK$75,960
baseline
▲ 0.50% · 4.625%
HK$80,582
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,920/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,518
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,651
−HK$2,163/mo
Today · 4.125%
HK$83,814
baseline
▲ 0.50% · 4.625%
HK$88,232
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,628/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,390
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,984
−HK$2,636/mo
Today · 4.125%
HK$88,620
baseline
▲ 0.50% · 4.625%
HK$94,012
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,240/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,771
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,259
−HK$2,524/mo
Today · 4.125%
HK$97,783
baseline
▲ 0.50% · 4.625%
HK$102,937
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,566/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,216
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,551
−HK$3,389/mo
Today · 4.125%
HK$113,940
baseline
▲ 0.50% · 4.625%
HK$120,872
+HK$6,932/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,880/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,277
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,476
−HK$3,245/mo
Today · 4.125%
HK$125,721
baseline
▲ 0.50% · 4.625%
HK$132,348
+HK$6,627/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,442/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,179 · Scale 2, in force from 26 Feb 2026)