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$59,718
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,576
−HK$1,887/mo
Today · 4.125%
HK$63,463
baseline
▲ 0.50% · 4.625%
HK$67,325
+HK$3,862/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,926/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,436
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,218
−HK$1,807/mo
Today · 4.125%
HK$70,025
baseline
▲ 0.50% · 4.625%
HK$73,716
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,050/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,662
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,891
−HK$2,265/mo
Today · 4.125%
HK$76,156
baseline
▲ 0.50% · 4.625%
HK$80,790
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,312/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,723
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,861
−HK$2,169/mo
Today · 4.125%
HK$84,030
baseline
▲ 0.50% · 4.625%
HK$88,460
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,060/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,605
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,206
−HK$2,642/mo
Today · 4.125%
HK$88,848
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,696/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,010
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,505
−HK$2,530/mo
Today · 4.125%
HK$98,035
baseline
▲ 0.50% · 4.625%
HK$103,203
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,070/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,493
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,836
−HK$3,397/mo
Today · 4.125%
HK$114,233
baseline
▲ 0.50% · 4.625%
HK$121,184
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,466/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,585
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,792
−HK$3,253/mo
Today · 4.125%
HK$126,045
baseline
▲ 0.50% · 4.625%
HK$132,689
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,090/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,043 · Scale 2, in force from 26 Feb 2026)