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$59,677
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,533
−HK$1,886/mo
Today · 4.125%
HK$63,419
baseline
▲ 0.50% · 4.625%
HK$67,278
+HK$3,859/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,838/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,390
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$1,806/mo
Today · 4.125%
HK$69,977
baseline
▲ 0.50% · 4.625%
HK$73,666
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,954/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,613
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,840
−HK$2,263/mo
Today · 4.125%
HK$76,103
baseline
▲ 0.50% · 4.625%
HK$80,734
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,206/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,668
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,805
−HK$2,167/mo
Today · 4.125%
HK$83,972
baseline
▲ 0.50% · 4.625%
HK$88,399
+HK$4,427/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,944/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,548
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,147
−HK$2,640/mo
Today · 4.125%
HK$88,787
baseline
▲ 0.50% · 4.625%
HK$94,190
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,574/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,946
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,439
−HK$2,529/mo
Today · 4.125%
HK$97,968
baseline
▲ 0.50% · 4.625%
HK$103,132
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,936/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,419
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,760
−HK$3,395/mo
Today · 4.125%
HK$114,155
baseline
▲ 0.50% · 4.625%
HK$121,101
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,310/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,502
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,707
−HK$3,252/mo
Today · 4.125%
HK$125,959
baseline
▲ 0.50% · 4.625%
HK$132,598
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,918/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,278 · Scale 2, in force from 26 Feb 2026)