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$59,713
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,571
−HK$1,887/mo
Today · 4.125%
HK$63,458
baseline
▲ 0.50% · 4.625%
HK$67,319
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,916/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,212
−HK$1,808/mo
Today · 4.125%
HK$70,020
baseline
▲ 0.50% · 4.625%
HK$73,710
+HK$3,690/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,040/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,656
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,885
−HK$2,265/mo
Today · 4.125%
HK$76,150
baseline
▲ 0.50% · 4.625%
HK$80,783
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,300/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,717
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,855
−HK$2,169/mo
Today · 4.125%
HK$84,024
baseline
▲ 0.50% · 4.625%
HK$88,453
+HK$4,429/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,048/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,599
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,199
−HK$2,642/mo
Today · 4.125%
HK$88,841
baseline
▲ 0.50% · 4.625%
HK$94,247
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,682/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,003
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,497
−HK$2,530/mo
Today · 4.125%
HK$98,027
baseline
▲ 0.50% · 4.625%
HK$103,195
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,054/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,484
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,828
−HK$3,396/mo
Today · 4.125%
HK$114,224
baseline
▲ 0.50% · 4.625%
HK$121,175
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,448/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,575
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,782
−HK$3,253/mo
Today · 4.125%
HK$126,035
baseline
▲ 0.50% · 4.625%
HK$132,679
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,070/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,955 · Scale 2, in force from 26 Feb 2026)