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$59,591
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,445
−HK$1,883/mo
Today · 4.125%
HK$63,328
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,656/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,295
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,073
−HK$1,803/mo
Today · 4.125%
HK$69,876
baseline
▲ 0.50% · 4.625%
HK$73,560
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,752/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,509
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,734
−HK$2,260/mo
Today · 4.125%
HK$75,994
baseline
▲ 0.50% · 4.625%
HK$80,618
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,988/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,553
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,687
−HK$2,165/mo
Today · 4.125%
HK$83,852
baseline
▲ 0.50% · 4.625%
HK$88,271
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,704/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,428
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,023
−HK$2,636/mo
Today · 4.125%
HK$88,659
baseline
▲ 0.50% · 4.625%
HK$94,054
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,318/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,812
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,302
−HK$2,525/mo
Today · 4.125%
HK$97,827
baseline
▲ 0.50% · 4.625%
HK$102,983
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,654/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,264
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,601
−HK$3,390/mo
Today · 4.125%
HK$113,991
baseline
▲ 0.50% · 4.625%
HK$120,927
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,982/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,330
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,531
−HK$3,246/mo
Today · 4.125%
HK$125,777
baseline
▲ 0.50% · 4.625%
HK$132,407
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,554/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,676 · Scale 2, in force from 26 Feb 2026)