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$59,680
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,537
−HK$1,886/mo
Today · 4.125%
HK$63,423
baseline
▲ 0.50% · 4.625%
HK$67,282
+HK$3,859/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,846/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,394
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,174
−HK$1,807/mo
Today · 4.125%
HK$69,981
baseline
▲ 0.50% · 4.625%
HK$73,670
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,962/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,616
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,844
−HK$2,263/mo
Today · 4.125%
HK$76,107
baseline
▲ 0.50% · 4.625%
HK$80,738
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,214/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,672
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,809
−HK$2,168/mo
Today · 4.125%
HK$83,977
baseline
▲ 0.50% · 4.625%
HK$88,403
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,954/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,151
−HK$2,641/mo
Today · 4.125%
HK$88,792
baseline
▲ 0.50% · 4.625%
HK$94,195
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,584/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,951
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,529/mo
Today · 4.125%
HK$97,973
baseline
▲ 0.50% · 4.625%
HK$103,137
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,946/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,425
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,766
−HK$3,395/mo
Today · 4.125%
HK$114,161
baseline
▲ 0.50% · 4.625%
HK$121,107
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,322/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,509
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,714
−HK$3,251/mo
Today · 4.125%
HK$125,965
baseline
▲ 0.50% · 4.625%
HK$132,605
+HK$6,640/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$251,930/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,337 · Scale 2, in force from 26 Feb 2026)