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$59,657
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,513
−HK$1,885/mo
Today · 4.125%
HK$63,398
baseline
▲ 0.50% · 4.625%
HK$67,256
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,796/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,368
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,148
−HK$1,806/mo
Today · 4.125%
HK$69,954
baseline
▲ 0.50% · 4.625%
HK$73,641
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,908/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,589
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,816
−HK$2,262/mo
Today · 4.125%
HK$76,078
baseline
▲ 0.50% · 4.625%
HK$80,707
+HK$4,629/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,156/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,642
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,778
−HK$2,167/mo
Today · 4.125%
HK$83,945
baseline
▲ 0.50% · 4.625%
HK$88,369
+HK$4,424/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,890/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,520
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,118
−HK$2,640/mo
Today · 4.125%
HK$88,758
baseline
▲ 0.50% · 4.625%
HK$94,158
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,516/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,915
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,407
−HK$2,528/mo
Today · 4.125%
HK$97,935
baseline
▲ 0.50% · 4.625%
HK$103,098
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,870/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,383
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,723
−HK$3,394/mo
Today · 4.125%
HK$114,117
baseline
▲ 0.50% · 4.625%
HK$121,061
+HK$6,944/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,234/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,463
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,667
−HK$3,250/mo
Today · 4.125%
HK$125,917
baseline
▲ 0.50% · 4.625%
HK$132,554
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,834/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,909 · Scale 2, in force from 26 Feb 2026)