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$59,701
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,558
−HK$1,887/mo
Today · 4.125%
HK$63,445
baseline
▲ 0.50% · 4.625%
HK$67,306
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,890/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,417
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,198
−HK$1,807/mo
Today · 4.125%
HK$70,005
baseline
▲ 0.50% · 4.625%
HK$73,696
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,010/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,642
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,870
−HK$2,264/mo
Today · 4.125%
HK$76,134
baseline
▲ 0.50% · 4.625%
HK$80,767
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,268/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,701
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,838
−HK$2,169/mo
Today · 4.125%
HK$84,007
baseline
▲ 0.50% · 4.625%
HK$88,435
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,014/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,582
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,182
−HK$2,641/mo
Today · 4.125%
HK$88,823
baseline
▲ 0.50% · 4.625%
HK$94,228
+HK$5,405/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$177,646/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,984
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,478
−HK$2,530/mo
Today · 4.125%
HK$98,008
baseline
▲ 0.50% · 4.625%
HK$103,174
+HK$5,166/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$196,016/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,462
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,805
−HK$3,396/mo
Today · 4.125%
HK$114,201
baseline
▲ 0.50% · 4.625%
HK$121,150
+HK$6,949/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,402/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,551
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,757
−HK$3,253/mo
Today · 4.125%
HK$126,010
baseline
▲ 0.50% · 4.625%
HK$132,652
+HK$6,642/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$252,020/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,729 · Scale 2, in force from 26 Feb 2026)