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$59,611
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,465
−HK$1,884/mo
Today · 4.125%
HK$63,349
baseline
▲ 0.50% · 4.625%
HK$67,204
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,698/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,316
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,095
−HK$1,804/mo
Today · 4.125%
HK$69,899
baseline
▲ 0.50% · 4.625%
HK$73,584
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,798/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,533
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,758
−HK$2,261/mo
Today · 4.125%
HK$76,019
baseline
▲ 0.50% · 4.625%
HK$80,644
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,038/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,580
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,714
−HK$2,165/mo
Today · 4.125%
HK$83,879
baseline
▲ 0.50% · 4.625%
HK$88,301
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,758/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,455
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,051
−HK$2,638/mo
Today · 4.125%
HK$88,689
baseline
▲ 0.50% · 4.625%
HK$94,085
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,378/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,843
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,333
−HK$2,526/mo
Today · 4.125%
HK$97,859
baseline
▲ 0.50% · 4.625%
HK$103,017
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,718/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,300
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,637
−HK$3,391/mo
Today · 4.125%
HK$114,028
baseline
▲ 0.50% · 4.625%
HK$120,967
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,056/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,370
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,571
−HK$3,248/mo
Today · 4.125%
HK$125,819
baseline
▲ 0.50% · 4.625%
HK$132,451
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,638/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,043 · Scale 2, in force from 26 Feb 2026)