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$59,575
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,428
−HK$1,883/mo
Today · 4.125%
HK$63,311
baseline
▲ 0.50% · 4.625%
HK$67,163
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,622/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,054
−HK$1,803/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$73,539
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,490
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,713
−HK$2,260/mo
Today · 4.125%
HK$75,973
baseline
▲ 0.50% · 4.625%
HK$80,595
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,946/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,532
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,665
−HK$2,163/mo
Today · 4.125%
HK$83,828
baseline
▲ 0.50% · 4.625%
HK$88,247
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,656/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,405
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,999
−HK$2,636/mo
Today · 4.125%
HK$88,635
baseline
▲ 0.50% · 4.625%
HK$94,028
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,270/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,787
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,275
−HK$2,525/mo
Today · 4.125%
HK$97,800
baseline
▲ 0.50% · 4.625%
HK$102,955
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,600/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,234
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,570
−HK$3,389/mo
Today · 4.125%
HK$113,959
baseline
▲ 0.50% · 4.625%
HK$120,893
+HK$6,934/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,918/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,297
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,497
−HK$3,246/mo
Today · 4.125%
HK$125,743
baseline
▲ 0.50% · 4.625%
HK$132,371
+HK$6,628/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,486/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,369 · Scale 2, in force from 26 Feb 2026)