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$59,590
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,443
−HK$1,884/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$67,180
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,293
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,071
−HK$1,804/mo
Today · 4.125%
HK$69,875
baseline
▲ 0.50% · 4.625%
HK$73,558
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,750/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,508
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,732
−HK$2,260/mo
Today · 4.125%
HK$75,992
baseline
▲ 0.50% · 4.625%
HK$80,616
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,984/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,552
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,685
−HK$2,165/mo
Today · 4.125%
HK$83,850
baseline
▲ 0.50% · 4.625%
HK$88,269
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,700/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,426
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,021
−HK$2,636/mo
Today · 4.125%
HK$88,657
baseline
▲ 0.50% · 4.625%
HK$94,052
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,314/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,810
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,299
−HK$2,525/mo
Today · 4.125%
HK$97,824
baseline
▲ 0.50% · 4.625%
HK$102,981
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,648/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,262
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,598
−HK$3,390/mo
Today · 4.125%
HK$113,988
baseline
▲ 0.50% · 4.625%
HK$120,924
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,976/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,327
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,528
−HK$3,246/mo
Today · 4.125%
HK$125,774
baseline
▲ 0.50% · 4.625%
HK$132,404
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,548/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,650 · Scale 2, in force from 26 Feb 2026)