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$59,648
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,503
−HK$1,885/mo
Today · 4.125%
HK$63,388
baseline
▲ 0.50% · 4.625%
HK$67,245
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,776/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,358
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,137
−HK$1,806/mo
Today · 4.125%
HK$69,943
baseline
▲ 0.50% · 4.625%
HK$73,629
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,886/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,577
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,804
−HK$2,262/mo
Today · 4.125%
HK$76,066
baseline
▲ 0.50% · 4.625%
HK$80,694
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,132/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,629
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,765
−HK$2,166/mo
Today · 4.125%
HK$83,931
baseline
▲ 0.50% · 4.625%
HK$88,355
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,862/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,507
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,104
−HK$2,640/mo
Today · 4.125%
HK$88,744
baseline
▲ 0.50% · 4.625%
HK$94,143
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,488/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,901
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,392
−HK$2,528/mo
Today · 4.125%
HK$97,920
baseline
▲ 0.50% · 4.625%
HK$103,081
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,840/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,366
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,706
−HK$3,393/mo
Today · 4.125%
HK$114,099
baseline
▲ 0.50% · 4.625%
HK$121,041
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,198/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,444
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,647
−HK$3,250/mo
Today · 4.125%
HK$125,897
baseline
▲ 0.50% · 4.625%
HK$132,533
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,794/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,731 · Scale 2, in force from 26 Feb 2026)