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$59,673
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,529
−HK$1,886/mo
Today · 4.125%
HK$63,415
baseline
▲ 0.50% · 4.625%
HK$67,273
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,830/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,385
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,166
−HK$1,806/mo
Today · 4.125%
HK$69,972
baseline
▲ 0.50% · 4.625%
HK$73,660
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,944/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,607
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,835
−HK$2,263/mo
Today · 4.125%
HK$76,098
baseline
▲ 0.50% · 4.625%
HK$80,728
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,196/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,662
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,799
−HK$2,167/mo
Today · 4.125%
HK$83,966
baseline
▲ 0.50% · 4.625%
HK$88,392
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,932/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,542
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,141
−HK$2,640/mo
Today · 4.125%
HK$88,781
baseline
▲ 0.50% · 4.625%
HK$94,183
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,562/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,940
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,432
−HK$2,529/mo
Today · 4.125%
HK$97,961
baseline
▲ 0.50% · 4.625%
HK$103,124
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,922/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,411
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,752
−HK$3,395/mo
Today · 4.125%
HK$114,147
baseline
▲ 0.50% · 4.625%
HK$121,092
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,294/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,494
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,698
−HK$3,252/mo
Today · 4.125%
HK$125,950
baseline
▲ 0.50% · 4.625%
HK$132,589
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,900/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,197 · Scale 2, in force from 26 Feb 2026)