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$59,652
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,507
−HK$1,885/mo
Today · 4.125%
HK$63,392
baseline
▲ 0.50% · 4.625%
HK$67,250
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,784/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,362
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,142
−HK$1,805/mo
Today · 4.125%
HK$69,947
baseline
▲ 0.50% · 4.625%
HK$73,634
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,894/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,582
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,809
−HK$2,262/mo
Today · 4.125%
HK$76,071
baseline
▲ 0.50% · 4.625%
HK$80,700
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,142/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,634
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,770
−HK$2,167/mo
Today · 4.125%
HK$83,937
baseline
▲ 0.50% · 4.625%
HK$88,361
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,874/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,512
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,110
−HK$2,639/mo
Today · 4.125%
HK$88,749
baseline
▲ 0.50% · 4.625%
HK$94,150
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,498/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,907
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,398
−HK$2,528/mo
Today · 4.125%
HK$97,926
baseline
▲ 0.50% · 4.625%
HK$103,088
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,852/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,373
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,713
−HK$3,393/mo
Today · 4.125%
HK$114,106
baseline
▲ 0.50% · 4.625%
HK$121,049
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,212/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,451
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,655
−HK$3,250/mo
Today · 4.125%
HK$125,905
baseline
▲ 0.50% · 4.625%
HK$132,542
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,810/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,804 · Scale 2, in force from 26 Feb 2026)