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$59,498
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,349
−HK$1,880/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,458/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,191
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,966
−HK$1,801/mo
Today · 4.125%
HK$69,767
baseline
▲ 0.50% · 4.625%
HK$73,444
+HK$3,677/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,534/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,397
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,618
−HK$2,257/mo
Today · 4.125%
HK$75,875
baseline
▲ 0.50% · 4.625%
HK$80,491
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,750/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,429
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,559
−HK$2,161/mo
Today · 4.125%
HK$83,720
baseline
▲ 0.50% · 4.625%
HK$88,133
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,440/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,297
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,888
−HK$2,632/mo
Today · 4.125%
HK$88,520
baseline
▲ 0.50% · 4.625%
HK$93,907
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,040/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,667
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,152
−HK$2,521/mo
Today · 4.125%
HK$97,673
baseline
▲ 0.50% · 4.625%
HK$102,822
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,346/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,096
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,427
−HK$3,385/mo
Today · 4.125%
HK$113,812
baseline
▲ 0.50% · 4.625%
HK$120,737
+HK$6,925/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,624/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,143
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,339
−HK$3,241/mo
Today · 4.125%
HK$125,580
baseline
▲ 0.50% · 4.625%
HK$132,200
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,160/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,936 · Scale 2, in force from 26 Feb 2026)