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$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,357
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,136
−HK$1,806/mo
Today · 4.125%
HK$69,942
baseline
▲ 0.50% · 4.625%
HK$73,628
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,884/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,576
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,803
−HK$2,262/mo
Today · 4.125%
HK$76,065
baseline
▲ 0.50% · 4.625%
HK$80,693
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,130/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,628
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,764
−HK$2,166/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$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,506
−HK$5,236/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$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,899
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,391
−HK$2,527/mo
Today · 4.125%
HK$97,918
baseline
▲ 0.50% · 4.625%
HK$103,080
+HK$5,162/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$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,365
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,704
−HK$3,393/mo
Today · 4.125%
HK$114,097
baseline
▲ 0.50% · 4.625%
HK$121,040
+HK$6,943/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$1,111,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,442
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,645
−HK$3,250/mo
Today · 4.125%
HK$125,895
baseline
▲ 0.50% · 4.625%
HK$132,531
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,790/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,716 · Scale 2, in force from 26 Feb 2026)