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$59,653
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,509
−HK$1,885/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$67,251
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,364
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,143
−HK$1,806/mo
Today · 4.125%
HK$69,949
baseline
▲ 0.50% · 4.625%
HK$73,636
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,898/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,584
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,810
−HK$2,263/mo
Today · 4.125%
HK$76,073
baseline
▲ 0.50% · 4.625%
HK$80,702
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,146/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,636
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,772
−HK$2,167/mo
Today · 4.125%
HK$83,939
baseline
▲ 0.50% · 4.625%
HK$88,363
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,878/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,514
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,112
−HK$2,639/mo
Today · 4.125%
HK$88,751
baseline
▲ 0.50% · 4.625%
HK$94,152
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,502/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,909
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,401
−HK$2,528/mo
Today · 4.125%
HK$97,929
baseline
▲ 0.50% · 4.625%
HK$103,090
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,858/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,376
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,716
−HK$3,393/mo
Today · 4.125%
HK$114,109
baseline
▲ 0.50% · 4.625%
HK$121,052
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,218/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,454
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,658
−HK$3,250/mo
Today · 4.125%
HK$125,908
baseline
▲ 0.50% · 4.625%
HK$132,545
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,816/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,831 · Scale 2, in force from 26 Feb 2026)