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$59,617
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,471
−HK$1,884/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$67,210
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,323
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,102
−HK$1,804/mo
Today · 4.125%
HK$69,906
baseline
▲ 0.50% · 4.625%
HK$73,591
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,812/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,540
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,766
−HK$2,260/mo
Today · 4.125%
HK$76,026
baseline
▲ 0.50% · 4.625%
HK$80,652
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,052/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,588
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,722
−HK$2,166/mo
Today · 4.125%
HK$83,888
baseline
▲ 0.50% · 4.625%
HK$88,310
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,776/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,464
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,060
−HK$2,638/mo
Today · 4.125%
HK$88,698
baseline
▲ 0.50% · 4.625%
HK$94,095
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,396/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,852
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,343
−HK$2,526/mo
Today · 4.125%
HK$97,869
baseline
▲ 0.50% · 4.625%
HK$103,028
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,738/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,310
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,648
−HK$3,392/mo
Today · 4.125%
HK$114,040
baseline
▲ 0.50% · 4.625%
HK$120,979
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,080/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,382
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,583
−HK$3,249/mo
Today · 4.125%
HK$125,832
baseline
▲ 0.50% · 4.625%
HK$132,464
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,664/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,155 · Scale 2, in force from 26 Feb 2026)