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$59,553
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,405
−HK$1,882/mo
Today · 4.125%
HK$63,287
baseline
▲ 0.50% · 4.625%
HK$67,138
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,574/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,252
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,029
−HK$1,802/mo
Today · 4.125%
HK$69,831
baseline
▲ 0.50% · 4.625%
HK$73,512
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,662/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,464
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,686
−HK$2,259/mo
Today · 4.125%
HK$75,945
baseline
▲ 0.50% · 4.625%
HK$80,566
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,890/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,502
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,635
−HK$2,163/mo
Today · 4.125%
HK$83,798
baseline
▲ 0.50% · 4.625%
HK$88,215
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,596/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,374
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,968
−HK$2,634/mo
Today · 4.125%
HK$88,602
baseline
▲ 0.50% · 4.625%
HK$93,994
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,204/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,753
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,240
−HK$2,524/mo
Today · 4.125%
HK$97,764
baseline
▲ 0.50% · 4.625%
HK$102,917
+HK$5,153/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,528/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,195
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,530
−HK$3,387/mo
Today · 4.125%
HK$113,917
baseline
▲ 0.50% · 4.625%
HK$120,849
+HK$6,932/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,834/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,254
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,452
−HK$3,245/mo
Today · 4.125%
HK$125,697
baseline
▲ 0.50% · 4.625%
HK$132,322
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,394/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,963 · Scale 2, in force from 26 Feb 2026)