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$59,615
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,884/mo
Today · 4.125%
HK$63,354
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,708/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$1,805/mo
Today · 4.125%
HK$69,905
baseline
▲ 0.50% · 4.625%
HK$73,589
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,810/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,538
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,764
−HK$2,260/mo
Today · 4.125%
HK$76,024
baseline
▲ 0.50% · 4.625%
HK$80,650
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,048/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,586
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,720
−HK$2,165/mo
Today · 4.125%
HK$83,885
baseline
▲ 0.50% · 4.625%
HK$88,307
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,770/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,461
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,058
−HK$2,637/mo
Today · 4.125%
HK$88,695
baseline
▲ 0.50% · 4.625%
HK$94,092
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,390/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,850
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,340
−HK$2,526/mo
Today · 4.125%
HK$97,866
baseline
▲ 0.50% · 4.625%
HK$103,025
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,732/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,308
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,645
−HK$3,392/mo
Today · 4.125%
HK$114,037
baseline
▲ 0.50% · 4.625%
HK$120,976
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,074/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,379
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,580
−HK$3,248/mo
Today · 4.125%
HK$125,828
baseline
▲ 0.50% · 4.625%
HK$132,461
+HK$6,633/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,656/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,126 · Scale 2, in force from 26 Feb 2026)