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$59,679
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,535
−HK$1,886/mo
Today · 4.125%
HK$63,421
baseline
▲ 0.50% · 4.625%
HK$67,281
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,842/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,392
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,173
−HK$1,806/mo
Today · 4.125%
HK$69,979
baseline
▲ 0.50% · 4.625%
HK$73,668
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,958/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,615
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,843
−HK$2,263/mo
Today · 4.125%
HK$76,106
baseline
▲ 0.50% · 4.625%
HK$80,737
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,212/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,671
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,808
−HK$2,167/mo
Today · 4.125%
HK$83,975
baseline
▲ 0.50% · 4.625%
HK$88,402
+HK$4,427/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,950/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,551
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,150
−HK$2,640/mo
Today · 4.125%
HK$88,790
baseline
▲ 0.50% · 4.625%
HK$94,193
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,580/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,949
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,442
−HK$2,529/mo
Today · 4.125%
HK$97,971
baseline
▲ 0.50% · 4.625%
HK$103,135
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,942/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,422
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,764
−HK$3,395/mo
Today · 4.125%
HK$114,159
baseline
▲ 0.50% · 4.625%
HK$121,105
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,318/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,506
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,711
−HK$3,252/mo
Today · 4.125%
HK$125,963
baseline
▲ 0.50% · 4.625%
HK$132,602
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,926/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,314 · Scale 2, in force from 26 Feb 2026)