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$59,586
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,439
−HK$1,883/mo
Today · 4.125%
HK$63,322
baseline
▲ 0.50% · 4.625%
HK$67,175
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,644/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,288
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,066
−HK$1,804/mo
Today · 4.125%
HK$69,870
baseline
▲ 0.50% · 4.625%
HK$73,553
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,740/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,503
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,727
−HK$2,260/mo
Today · 4.125%
HK$75,987
baseline
▲ 0.50% · 4.625%
HK$80,610
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,974/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,546
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,680
−HK$2,164/mo
Today · 4.125%
HK$83,844
baseline
▲ 0.50% · 4.625%
HK$88,263
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,688/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,420
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,015
−HK$2,636/mo
Today · 4.125%
HK$88,651
baseline
▲ 0.50% · 4.625%
HK$94,045
+HK$5,394/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,302/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,804
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,293
−HK$2,525/mo
Today · 4.125%
HK$97,818
baseline
▲ 0.50% · 4.625%
HK$102,974
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,636/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,254
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,590
−HK$3,390/mo
Today · 4.125%
HK$113,980
baseline
▲ 0.50% · 4.625%
HK$120,915
+HK$6,935/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,960/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,319
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,519
−HK$3,247/mo
Today · 4.125%
HK$125,766
baseline
▲ 0.50% · 4.625%
HK$132,395
+HK$6,629/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,532/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,574 · Scale 2, in force from 26 Feb 2026)