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$59,621
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,476
−HK$1,884/mo
Today · 4.125%
HK$63,360
baseline
▲ 0.50% · 4.625%
HK$67,215
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,720/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,328
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,107
−HK$1,804/mo
Today · 4.125%
HK$69,911
baseline
▲ 0.50% · 4.625%
HK$73,596
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,822/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,545
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,771
−HK$2,261/mo
Today · 4.125%
HK$76,032
baseline
▲ 0.50% · 4.625%
HK$80,658
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,064/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,593
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,728
−HK$2,165/mo
Today · 4.125%
HK$83,893
baseline
▲ 0.50% · 4.625%
HK$88,316
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,786/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,469
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,066
−HK$2,638/mo
Today · 4.125%
HK$88,704
baseline
▲ 0.50% · 4.625%
HK$94,101
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,408/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,859
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,349
−HK$2,527/mo
Today · 4.125%
HK$97,876
baseline
▲ 0.50% · 4.625%
HK$103,035
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,752/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,318
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,656
−HK$3,392/mo
Today · 4.125%
HK$114,048
baseline
▲ 0.50% · 4.625%
HK$120,987
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,096/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,390
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,592
−HK$3,248/mo
Today · 4.125%
HK$125,840
baseline
▲ 0.50% · 4.625%
HK$132,473
+HK$6,633/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,680/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,231 · Scale 2, in force from 26 Feb 2026)