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$59,767
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,626
−HK$1,889/mo
Today · 4.125%
HK$63,515
baseline
▲ 0.50% · 4.625%
HK$67,379
+HK$3,864/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,030/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,490
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,273
−HK$1,809/mo
Today · 4.125%
HK$70,082
baseline
▲ 0.50% · 4.625%
HK$73,776
+HK$3,694/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,164/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,720
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,951
−HK$2,267/mo
Today · 4.125%
HK$76,218
baseline
▲ 0.50% · 4.625%
HK$80,855
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$152,436/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,788
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,928
−HK$2,171/mo
Today · 4.125%
HK$84,099
baseline
▲ 0.50% · 4.625%
HK$88,531
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$168,198/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,673
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,276
−HK$2,644/mo
Today · 4.125%
HK$88,920
baseline
▲ 0.50% · 4.625%
HK$94,331
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,840/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,086
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,582
−HK$2,533/mo
Today · 4.125%
HK$98,115
baseline
▲ 0.50% · 4.625%
HK$103,287
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,230/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,580
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,926
−HK$3,400/mo
Today · 4.125%
HK$114,326
baseline
▲ 0.50% · 4.625%
HK$121,283
+HK$6,957/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,652/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,682
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,892
−HK$3,256/mo
Today · 4.125%
HK$126,148
baseline
▲ 0.50% · 4.625%
HK$132,797
+HK$6,649/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,296/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,948 · Scale 2, in force from 26 Feb 2026)