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$59,669
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,525
−HK$1,886/mo
Today · 4.125%
HK$63,411
baseline
▲ 0.50% · 4.625%
HK$67,269
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,822/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,381
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,162
−HK$1,806/mo
Today · 4.125%
HK$69,968
baseline
▲ 0.50% · 4.625%
HK$73,656
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,936/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,603
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,830
−HK$2,263/mo
Today · 4.125%
HK$76,093
baseline
▲ 0.50% · 4.625%
HK$80,723
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,186/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,658
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,794
−HK$2,167/mo
Today · 4.125%
HK$83,961
baseline
▲ 0.50% · 4.625%
HK$88,387
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,922/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,537
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,135
−HK$2,640/mo
Today · 4.125%
HK$88,775
baseline
▲ 0.50% · 4.625%
HK$94,177
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,550/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,934
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,529/mo
Today · 4.125%
HK$97,955
baseline
▲ 0.50% · 4.625%
HK$103,118
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,910/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,405
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,746
−HK$3,394/mo
Today · 4.125%
HK$114,140
baseline
▲ 0.50% · 4.625%
HK$121,085
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,280/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,487
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,691
−HK$3,251/mo
Today · 4.125%
HK$125,942
baseline
▲ 0.50% · 4.625%
HK$132,581
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,884/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,131 · Scale 2, in force from 26 Feb 2026)