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$59,699
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,556
−HK$1,887/mo
Today · 4.125%
HK$63,443
baseline
▲ 0.50% · 4.625%
HK$67,303
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,886/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,415
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,196
−HK$1,807/mo
Today · 4.125%
HK$70,003
baseline
▲ 0.50% · 4.625%
HK$73,693
+HK$3,690/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,006/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,639
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,867
−HK$2,264/mo
Today · 4.125%
HK$76,131
baseline
▲ 0.50% · 4.625%
HK$80,764
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,262/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,698
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,835
−HK$2,169/mo
Today · 4.125%
HK$84,004
baseline
▲ 0.50% · 4.625%
HK$88,431
+HK$4,427/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,008/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,579
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,179
−HK$2,641/mo
Today · 4.125%
HK$88,820
baseline
▲ 0.50% · 4.625%
HK$94,225
+HK$5,405/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$177,640/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,981
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,474
−HK$2,530/mo
Today · 4.125%
HK$98,004
baseline
▲ 0.50% · 4.625%
HK$103,170
+HK$5,166/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$196,008/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,459
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,801
−HK$3,396/mo
Today · 4.125%
HK$114,197
baseline
▲ 0.50% · 4.625%
HK$121,146
+HK$6,949/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,394/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,547
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,753
−HK$3,252/mo
Today · 4.125%
HK$126,005
baseline
▲ 0.50% · 4.625%
HK$132,647
+HK$6,642/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$252,010/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,689 · Scale 2, in force from 26 Feb 2026)