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$59,698
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,555
−HK$1,887/mo
Today · 4.125%
HK$63,442
baseline
▲ 0.50% · 4.625%
HK$67,302
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,884/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,413
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,195
−HK$1,806/mo
Today · 4.125%
HK$70,001
baseline
▲ 0.50% · 4.625%
HK$73,691
+HK$3,690/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,002/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,638
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,866
−HK$2,264/mo
Today · 4.125%
HK$76,130
baseline
▲ 0.50% · 4.625%
HK$80,762
+HK$4,632/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,260/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,696
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,833
−HK$2,169/mo
Today · 4.125%
HK$84,002
baseline
▲ 0.50% · 4.625%
HK$88,430
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,004/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,577
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,641/mo
Today · 4.125%
HK$88,818
baseline
▲ 0.50% · 4.625%
HK$94,223
+HK$5,405/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$177,636/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,979
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,472
−HK$2,530/mo
Today · 4.125%
HK$98,002
baseline
▲ 0.50% · 4.625%
HK$103,168
+HK$5,166/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$196,004/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,456
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,799
−HK$3,396/mo
Today · 4.125%
HK$114,195
baseline
▲ 0.50% · 4.625%
HK$121,143
+HK$6,948/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,390/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,544
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,750
−HK$3,253/mo
Today · 4.125%
HK$126,003
baseline
▲ 0.50% · 4.625%
HK$132,644
+HK$6,641/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$252,006/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,666 · Scale 2, in force from 26 Feb 2026)