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$59,556
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,882/mo
Today · 4.125%
HK$63,290
baseline
▲ 0.50% · 4.625%
HK$67,141
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,580/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,255
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,032
−HK$1,803/mo
Today · 4.125%
HK$69,835
baseline
▲ 0.50% · 4.625%
HK$73,516
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,670/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,467
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,690
−HK$2,258/mo
Today · 4.125%
HK$75,948
baseline
▲ 0.50% · 4.625%
HK$80,570
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,896/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,506
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,638
−HK$2,164/mo
Today · 4.125%
HK$83,802
baseline
▲ 0.50% · 4.625%
HK$88,219
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,604/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,378
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,972
−HK$2,635/mo
Today · 4.125%
HK$88,607
baseline
▲ 0.50% · 4.625%
HK$93,998
+HK$5,391/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,214/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,757
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,245
−HK$2,524/mo
Today · 4.125%
HK$97,769
baseline
▲ 0.50% · 4.625%
HK$102,922
+HK$5,153/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,538/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,200
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,535
−HK$3,388/mo
Today · 4.125%
HK$113,923
baseline
▲ 0.50% · 4.625%
HK$120,855
+HK$6,932/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,846/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,259
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,458
−HK$3,244/mo
Today · 4.125%
HK$125,702
baseline
▲ 0.50% · 4.625%
HK$132,328
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,404/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,015 · Scale 2, in force from 26 Feb 2026)