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$59,601
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,455
−HK$1,884/mo
Today · 4.125%
HK$63,339
baseline
▲ 0.50% · 4.625%
HK$67,193
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,678/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,306
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,084
−HK$1,804/mo
Today · 4.125%
HK$69,888
baseline
▲ 0.50% · 4.625%
HK$73,572
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,776/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,521
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,746
−HK$2,260/mo
Today · 4.125%
HK$76,006
baseline
▲ 0.50% · 4.625%
HK$80,631
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,012/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,567
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,701
−HK$2,164/mo
Today · 4.125%
HK$83,865
baseline
▲ 0.50% · 4.625%
HK$88,286
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,730/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,441
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,037
−HK$2,637/mo
Today · 4.125%
HK$88,674
baseline
▲ 0.50% · 4.625%
HK$94,070
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,348/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,828
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,317
−HK$2,526/mo
Today · 4.125%
HK$97,843
baseline
▲ 0.50% · 4.625%
HK$103,000
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,686/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,282
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,619
−HK$3,390/mo
Today · 4.125%
HK$114,009
baseline
▲ 0.50% · 4.625%
HK$120,947
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,018/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,350
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,551
−HK$3,247/mo
Today · 4.125%
HK$125,798
baseline
▲ 0.50% · 4.625%
HK$132,429
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,596/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,860 · Scale 2, in force from 26 Feb 2026)