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$59,633
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,488
−HK$1,885/mo
Today · 4.125%
HK$63,373
baseline
▲ 0.50% · 4.625%
HK$67,229
+HK$3,856/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,746/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,342
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,121
−HK$1,805/mo
Today · 4.125%
HK$69,926
baseline
▲ 0.50% · 4.625%
HK$73,612
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,852/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,560
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,786
−HK$2,262/mo
Today · 4.125%
HK$76,048
baseline
▲ 0.50% · 4.625%
HK$80,675
+HK$4,627/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,096/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,610
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,745
−HK$2,166/mo
Today · 4.125%
HK$83,911
baseline
▲ 0.50% · 4.625%
HK$88,334
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,822/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,487
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,084
−HK$2,638/mo
Today · 4.125%
HK$88,722
baseline
▲ 0.50% · 4.625%
HK$94,121
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,444/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,878
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,369
−HK$2,527/mo
Today · 4.125%
HK$97,896
baseline
▲ 0.50% · 4.625%
HK$103,056
+HK$5,160/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,792/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,340
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,679
−HK$3,392/mo
Today · 4.125%
HK$114,071
baseline
▲ 0.50% · 4.625%
HK$121,012
+HK$6,941/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,142/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,415
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,618
−HK$3,248/mo
Today · 4.125%
HK$125,866
baseline
▲ 0.50% · 4.625%
HK$132,501
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,732/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,464 · Scale 2, in force from 26 Feb 2026)