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$59,643
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,498
−HK$1,885/mo
Today · 4.125%
HK$63,383
baseline
▲ 0.50% · 4.625%
HK$67,240
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,766/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,352
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,132
−HK$1,805/mo
Today · 4.125%
HK$69,937
baseline
▲ 0.50% · 4.625%
HK$73,623
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,874/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,572
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,798
−HK$2,262/mo
Today · 4.125%
HK$76,060
baseline
▲ 0.50% · 4.625%
HK$80,688
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,120/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,623
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,758
−HK$2,166/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$88,348
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,500
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,097
−HK$2,639/mo
Today · 4.125%
HK$88,736
baseline
▲ 0.50% · 4.625%
HK$94,136
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,472/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,893
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,384
−HK$2,528/mo
Today · 4.125%
HK$97,912
baseline
▲ 0.50% · 4.625%
HK$103,073
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,824/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,357
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,697
−HK$3,393/mo
Today · 4.125%
HK$114,090
baseline
▲ 0.50% · 4.625%
HK$121,032
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,180/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,434
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,637
−HK$3,250/mo
Today · 4.125%
HK$125,887
baseline
▲ 0.50% · 4.625%
HK$132,522
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,774/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,641 · Scale 2, in force from 26 Feb 2026)