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$59,695
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,552
−HK$1,887/mo
Today · 4.125%
HK$63,439
baseline
▲ 0.50% · 4.625%
HK$67,299
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,878/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,410
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,191
−HK$1,807/mo
Today · 4.125%
HK$69,998
baseline
▲ 0.50% · 4.625%
HK$73,688
+HK$3,690/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,996/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,634
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,862
−HK$2,264/mo
Today · 4.125%
HK$76,126
baseline
▲ 0.50% · 4.625%
HK$80,758
+HK$4,632/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,252/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,692
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,830
−HK$2,168/mo
Today · 4.125%
HK$83,998
baseline
▲ 0.50% · 4.625%
HK$88,426
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$167,996/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,573
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,173
−HK$2,641/mo
Today · 4.125%
HK$88,814
baseline
▲ 0.50% · 4.625%
HK$94,218
+HK$5,404/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$177,628/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,974
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,468
−HK$2,530/mo
Today · 4.125%
HK$97,998
baseline
▲ 0.50% · 4.625%
HK$103,163
+HK$5,165/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$195,996/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,451
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,794
−HK$3,396/mo
Today · 4.125%
HK$114,190
baseline
▲ 0.50% · 4.625%
HK$121,138
+HK$6,948/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,380/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,539
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,745
−HK$3,252/mo
Today · 4.125%
HK$125,997
baseline
▲ 0.50% · 4.625%
HK$132,638
+HK$6,641/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$251,994/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,615 · Scale 2, in force from 26 Feb 2026)