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$59,644
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,885/mo
Today · 4.125%
HK$63,384
baseline
▲ 0.50% · 4.625%
HK$67,241
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,768/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$1,805/mo
Today · 4.125%
HK$69,938
baseline
▲ 0.50% · 4.625%
HK$73,625
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,876/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,573
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,799
−HK$2,262/mo
Today · 4.125%
HK$76,061
baseline
▲ 0.50% · 4.625%
HK$80,689
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,122/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,624
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,759
−HK$2,167/mo
Today · 4.125%
HK$83,926
baseline
▲ 0.50% · 4.625%
HK$88,349
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,852/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,501
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,099
−HK$2,639/mo
Today · 4.125%
HK$88,738
baseline
▲ 0.50% · 4.625%
HK$94,137
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,476/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,894
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,386
−HK$2,527/mo
Today · 4.125%
HK$97,913
baseline
▲ 0.50% · 4.625%
HK$103,074
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,826/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,359
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,698
−HK$3,393/mo
Today · 4.125%
HK$114,091
baseline
▲ 0.50% · 4.625%
HK$121,033
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,182/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,436
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$122,639
−HK$3,249/mo
Today · 4.125%
HK$125,888
baseline
▲ 0.50% · 4.625%
HK$132,524
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,776/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,657 · Scale 2, in force from 26 Feb 2026)