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$59,665
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,521
−HK$1,886/mo
Today · 4.125%
HK$63,407
baseline
▲ 0.50% · 4.625%
HK$67,265
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,814/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,377
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,157
−HK$1,806/mo
Today · 4.125%
HK$69,963
baseline
▲ 0.50% · 4.625%
HK$73,651
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,926/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,598
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,825
−HK$2,263/mo
Today · 4.125%
HK$76,088
baseline
▲ 0.50% · 4.625%
HK$80,718
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,176/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,652
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,788
−HK$2,168/mo
Today · 4.125%
HK$83,956
baseline
▲ 0.50% · 4.625%
HK$88,381
+HK$4,425/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,912/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,531
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,129
−HK$2,640/mo
Today · 4.125%
HK$88,769
baseline
▲ 0.50% · 4.625%
HK$94,171
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,538/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,928
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,420
−HK$2,528/mo
Today · 4.125%
HK$97,948
baseline
▲ 0.50% · 4.625%
HK$103,111
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,896/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,397
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,738
−HK$3,394/mo
Today · 4.125%
HK$114,132
baseline
▲ 0.50% · 4.625%
HK$121,077
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,264/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,478
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,683
−HK$3,250/mo
Today · 4.125%
HK$125,933
baseline
▲ 0.50% · 4.625%
HK$132,571
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,866/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,054 · Scale 2, in force from 26 Feb 2026)