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$59,573
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,426
−HK$1,883/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$67,161
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,275
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,052
−HK$1,803/mo
Today · 4.125%
HK$69,855
baseline
▲ 0.50% · 4.625%
HK$73,538
+HK$3,683/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,710/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,488
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,712
−HK$2,259/mo
Today · 4.125%
HK$75,971
baseline
▲ 0.50% · 4.625%
HK$80,594
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,942/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,530
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,663
−HK$2,163/mo
Today · 4.125%
HK$83,826
baseline
▲ 0.50% · 4.625%
HK$88,245
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,652/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,403
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,997
−HK$2,636/mo
Today · 4.125%
HK$88,633
baseline
▲ 0.50% · 4.625%
HK$94,026
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,266/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,785
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,273
−HK$2,525/mo
Today · 4.125%
HK$97,798
baseline
▲ 0.50% · 4.625%
HK$102,953
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,596/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,232
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,568
−HK$3,388/mo
Today · 4.125%
HK$113,956
baseline
▲ 0.50% · 4.625%
HK$120,890
+HK$6,934/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,912/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,295
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,494
−HK$3,246/mo
Today · 4.125%
HK$125,740
baseline
▲ 0.50% · 4.625%
HK$132,368
+HK$6,628/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,480/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,344 · Scale 2, in force from 26 Feb 2026)