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$59,647
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,502
−HK$1,885/mo
Today · 4.125%
HK$63,387
baseline
▲ 0.50% · 4.625%
HK$67,244
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,774/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,356
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,136
−HK$1,805/mo
Today · 4.125%
HK$69,941
baseline
▲ 0.50% · 4.625%
HK$73,628
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,882/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,576
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,802
−HK$2,262/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,693
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,628
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,763
−HK$2,167/mo
Today · 4.125%
HK$83,930
baseline
▲ 0.50% · 4.625%
HK$88,354
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,860/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,505
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,103
−HK$2,639/mo
Today · 4.125%
HK$88,742
baseline
▲ 0.50% · 4.625%
HK$94,142
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,484/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,899
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,390
−HK$2,528/mo
Today · 4.125%
HK$97,918
baseline
▲ 0.50% · 4.625%
HK$103,079
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,836/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,364
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,704
−HK$3,393/mo
Today · 4.125%
HK$114,097
baseline
▲ 0.50% · 4.625%
HK$121,039
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,194/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,441
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,645
−HK$3,249/mo
Today · 4.125%
HK$125,894
baseline
▲ 0.50% · 4.625%
HK$132,531
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,788/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,710 · Scale 2, in force from 26 Feb 2026)