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$59,708
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,566
−HK$1,887/mo
Today · 4.125%
HK$63,453
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,906/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,425
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,206
−HK$1,808/mo
Today · 4.125%
HK$70,014
baseline
▲ 0.50% · 4.625%
HK$73,704
+HK$3,690/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,028/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,650
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,879
−HK$2,264/mo
Today · 4.125%
HK$76,143
baseline
▲ 0.50% · 4.625%
HK$80,776
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,286/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,710
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,848
−HK$2,168/mo
Today · 4.125%
HK$84,016
baseline
▲ 0.50% · 4.625%
HK$88,445
+HK$4,429/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,032/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,592
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,192
−HK$2,642/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$94,239
+HK$5,405/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,995
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,489
−HK$2,530/mo
Today · 4.125%
HK$98,019
baseline
▲ 0.50% · 4.625%
HK$103,186
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,038/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,475
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,818
−HK$3,397/mo
Today · 4.125%
HK$114,215
baseline
▲ 0.50% · 4.625%
HK$121,164
+HK$6,949/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,430/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,565
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,772
−HK$3,253/mo
Today · 4.125%
HK$126,025
baseline
▲ 0.50% · 4.625%
HK$132,668
+HK$6,643/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,050/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,861 · Scale 2, in force from 26 Feb 2026)