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$59,594
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,447
−HK$1,884/mo
Today · 4.125%
HK$63,331
baseline
▲ 0.50% · 4.625%
HK$67,184
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,662/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,297
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,075
−HK$1,804/mo
Today · 4.125%
HK$69,879
baseline
▲ 0.50% · 4.625%
HK$73,562
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,758/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,512
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,737
−HK$2,260/mo
Today · 4.125%
HK$75,997
baseline
▲ 0.50% · 4.625%
HK$80,621
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,994/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,557
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,690
−HK$2,165/mo
Today · 4.125%
HK$83,855
baseline
▲ 0.50% · 4.625%
HK$88,275
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,710/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,431
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,026
−HK$2,637/mo
Today · 4.125%
HK$88,663
baseline
▲ 0.50% · 4.625%
HK$94,058
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,326/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,816
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,305
−HK$2,526/mo
Today · 4.125%
HK$97,831
baseline
▲ 0.50% · 4.625%
HK$102,987
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,662/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,268
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,605
−HK$3,390/mo
Today · 4.125%
HK$113,995
baseline
▲ 0.50% · 4.625%
HK$120,931
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,990/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,335
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,536
−HK$3,246/mo
Today · 4.125%
HK$125,782
baseline
▲ 0.50% · 4.625%
HK$132,412
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,564/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,720 · Scale 2, in force from 26 Feb 2026)