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$59,599
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,453
−HK$1,884/mo
Today · 4.125%
HK$63,337
baseline
▲ 0.50% · 4.625%
HK$67,191
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,674/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,304
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,082
−HK$1,804/mo
Today · 4.125%
HK$69,886
baseline
▲ 0.50% · 4.625%
HK$73,570
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,772/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,519
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,744
−HK$2,260/mo
Today · 4.125%
HK$76,004
baseline
▲ 0.50% · 4.625%
HK$80,629
+HK$4,625/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$152,008/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,565
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,698
−HK$2,165/mo
Today · 4.125%
HK$83,863
baseline
▲ 0.50% · 4.625%
HK$88,284
+HK$4,421/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,726/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,439
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,035
−HK$2,637/mo
Today · 4.125%
HK$88,672
baseline
▲ 0.50% · 4.625%
HK$94,067
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,344/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,825
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,315
−HK$2,525/mo
Today · 4.125%
HK$97,840
baseline
▲ 0.50% · 4.625%
HK$102,998
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,680/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,279
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,616
−HK$3,390/mo
Today · 4.125%
HK$114,006
baseline
▲ 0.50% · 4.625%
HK$120,943
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,012/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,347
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,548
−HK$3,247/mo
Today · 4.125%
HK$125,795
baseline
▲ 0.50% · 4.625%
HK$132,426
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,590/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,831 · Scale 2, in force from 26 Feb 2026)