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$59,662
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,885/mo
Today · 4.125%
HK$63,403
baseline
▲ 0.50% · 4.625%
HK$67,261
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,806/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,373
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,153
−HK$1,806/mo
Today · 4.125%
HK$69,959
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,918/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,594
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,821
−HK$2,263/mo
Today · 4.125%
HK$76,084
baseline
▲ 0.50% · 4.625%
HK$80,713
+HK$4,629/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,168/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,648
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,784
−HK$2,167/mo
Today · 4.125%
HK$83,951
baseline
▲ 0.50% · 4.625%
HK$88,376
+HK$4,425/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,902/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,526
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,125
−HK$2,639/mo
Today · 4.125%
HK$88,764
baseline
▲ 0.50% · 4.625%
HK$94,165
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,528/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,922
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,414
−HK$2,529/mo
Today · 4.125%
HK$97,943
baseline
▲ 0.50% · 4.625%
HK$103,105
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,886/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,391
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,732
−HK$3,393/mo
Today · 4.125%
HK$114,125
baseline
▲ 0.50% · 4.625%
HK$121,070
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,250/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,472
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,676
−HK$3,250/mo
Today · 4.125%
HK$125,926
baseline
▲ 0.50% · 4.625%
HK$132,564
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,852/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,991 · Scale 2, in force from 26 Feb 2026)