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$59,675
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,531
−HK$1,886/mo
Today · 4.125%
HK$63,417
baseline
▲ 0.50% · 4.625%
HK$67,276
+HK$3,859/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,834/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,387
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,168
−HK$1,806/mo
Today · 4.125%
HK$69,974
baseline
▲ 0.50% · 4.625%
HK$73,663
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,948/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,837
−HK$2,263/mo
Today · 4.125%
HK$76,100
baseline
▲ 0.50% · 4.625%
HK$80,731
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,200/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,665
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,802
−HK$2,167/mo
Today · 4.125%
HK$83,969
baseline
▲ 0.50% · 4.625%
HK$88,395
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,938/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,545
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,143
−HK$2,640/mo
Today · 4.125%
HK$88,783
baseline
▲ 0.50% · 4.625%
HK$94,186
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,566/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,942
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,435
−HK$2,529/mo
Today · 4.125%
HK$97,964
baseline
▲ 0.50% · 4.625%
HK$103,128
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,928/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,414
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,756
−HK$3,394/mo
Today · 4.125%
HK$114,150
baseline
▲ 0.50% · 4.625%
HK$121,096
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,300/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,497
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,702
−HK$3,251/mo
Today · 4.125%
HK$125,953
baseline
▲ 0.50% · 4.625%
HK$132,593
+HK$6,640/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,906/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,232 · Scale 2, in force from 26 Feb 2026)