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$59,610
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,464
−HK$1,884/mo
Today · 4.125%
HK$63,348
baseline
▲ 0.50% · 4.625%
HK$67,203
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,696/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,316
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,094
−HK$1,805/mo
Today · 4.125%
HK$69,899
baseline
▲ 0.50% · 4.625%
HK$73,583
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,798/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,532
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,757
−HK$2,261/mo
Today · 4.125%
HK$76,018
baseline
▲ 0.50% · 4.625%
HK$80,643
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,036/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,579
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,713
−HK$2,165/mo
Today · 4.125%
HK$83,878
baseline
▲ 0.50% · 4.625%
HK$88,300
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,756/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,454
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,050
−HK$2,638/mo
Today · 4.125%
HK$88,688
baseline
▲ 0.50% · 4.625%
HK$94,084
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,376/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,842
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,332
−HK$2,526/mo
Today · 4.125%
HK$97,858
baseline
▲ 0.50% · 4.625%
HK$103,016
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,716/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,298
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,636
−HK$3,391/mo
Today · 4.125%
HK$114,027
baseline
▲ 0.50% · 4.625%
HK$120,965
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,054/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,368
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,570
−HK$3,247/mo
Today · 4.125%
HK$125,817
baseline
▲ 0.50% · 4.625%
HK$132,449
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,634/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,030 · Scale 2, in force from 26 Feb 2026)