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$59,721
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,579
−HK$1,887/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$67,328
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,439
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,221
−HK$1,807/mo
Today · 4.125%
HK$70,028
baseline
▲ 0.50% · 4.625%
HK$73,720
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,056/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,665
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,894
−HK$2,265/mo
Today · 4.125%
HK$76,159
baseline
▲ 0.50% · 4.625%
HK$80,793
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,318/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,727
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,865
−HK$2,169/mo
Today · 4.125%
HK$84,034
baseline
▲ 0.50% · 4.625%
HK$88,464
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,068/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,609
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,210
−HK$2,642/mo
Today · 4.125%
HK$88,852
baseline
▲ 0.50% · 4.625%
HK$94,259
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,704/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,015
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,509
−HK$2,531/mo
Today · 4.125%
HK$98,040
baseline
▲ 0.50% · 4.625%
HK$103,208
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,080/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,498
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,842
−HK$3,397/mo
Today · 4.125%
HK$114,239
baseline
▲ 0.50% · 4.625%
HK$121,190
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,478/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,590
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,797
−HK$3,254/mo
Today · 4.125%
HK$126,051
baseline
▲ 0.50% · 4.625%
HK$132,696
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,102/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,095 · Scale 2, in force from 26 Feb 2026)