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$59,650
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,505
−HK$1,885/mo
Today · 4.125%
HK$63,390
baseline
▲ 0.50% · 4.625%
HK$67,247
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,780/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,360
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,139
−HK$1,806/mo
Today · 4.125%
HK$69,945
baseline
▲ 0.50% · 4.625%
HK$73,632
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,890/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,580
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,806
−HK$2,262/mo
Today · 4.125%
HK$76,068
baseline
▲ 0.50% · 4.625%
HK$80,697
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,136/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,632
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,767
−HK$2,167/mo
Today · 4.125%
HK$83,934
baseline
▲ 0.50% · 4.625%
HK$88,358
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,868/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,509
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,107
−HK$2,639/mo
Today · 4.125%
HK$88,746
baseline
▲ 0.50% · 4.625%
HK$94,146
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,492/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,903
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,395
−HK$2,528/mo
Today · 4.125%
HK$97,923
baseline
▲ 0.50% · 4.625%
HK$103,084
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,846/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,369
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,709
−HK$3,393/mo
Today · 4.125%
HK$114,102
baseline
▲ 0.50% · 4.625%
HK$121,045
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,204/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,447
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,651
−HK$3,250/mo
Today · 4.125%
HK$125,901
baseline
▲ 0.50% · 4.625%
HK$132,537
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,802/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,765 · Scale 2, in force from 26 Feb 2026)