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$59,653
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,508
−HK$1,885/mo
Today · 4.125%
HK$63,393
baseline
▲ 0.50% · 4.625%
HK$67,251
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,786/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,363
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,143
−HK$1,805/mo
Today · 4.125%
HK$69,948
baseline
▲ 0.50% · 4.625%
HK$73,635
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,896/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,583
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,810
−HK$2,262/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,701
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,636
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,771
−HK$2,167/mo
Today · 4.125%
HK$83,938
baseline
▲ 0.50% · 4.625%
HK$88,362
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,876/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,514
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,111
−HK$2,640/mo
Today · 4.125%
HK$88,751
baseline
▲ 0.50% · 4.625%
HK$94,151
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,502/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,908
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,400
−HK$2,528/mo
Today · 4.125%
HK$97,928
baseline
▲ 0.50% · 4.625%
HK$103,090
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,856/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,375
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,715
−HK$3,393/mo
Today · 4.125%
HK$114,108
baseline
▲ 0.50% · 4.625%
HK$121,051
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,216/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,453
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,657
−HK$3,250/mo
Today · 4.125%
HK$125,907
baseline
▲ 0.50% · 4.625%
HK$132,544
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,814/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,821 · Scale 2, in force from 26 Feb 2026)