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$59,705
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,562
−HK$1,887/mo
Today · 4.125%
HK$63,449
baseline
▲ 0.50% · 4.625%
HK$67,309
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,898/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,421
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,202
−HK$1,807/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$73,700
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,646
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,874
−HK$2,264/mo
Today · 4.125%
HK$76,138
baseline
▲ 0.50% · 4.625%
HK$80,771
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,276/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,705
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,843
−HK$2,168/mo
Today · 4.125%
HK$84,011
baseline
▲ 0.50% · 4.625%
HK$88,439
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,022/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,586
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,186
−HK$2,642/mo
Today · 4.125%
HK$88,828
baseline
▲ 0.50% · 4.625%
HK$94,233
+HK$5,405/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$177,656/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,989
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,483
−HK$2,530/mo
Today · 4.125%
HK$98,013
baseline
▲ 0.50% · 4.625%
HK$103,179
+HK$5,166/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$196,026/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,468
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,811
−HK$3,397/mo
Today · 4.125%
HK$114,208
baseline
▲ 0.50% · 4.625%
HK$121,157
+HK$6,949/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,416/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,557
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,764
−HK$3,253/mo
Today · 4.125%
HK$126,017
baseline
▲ 0.50% · 4.625%
HK$132,659
+HK$6,642/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$252,034/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,790 · Scale 2, in force from 26 Feb 2026)