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$59,501
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,352
−HK$1,881/mo
Today · 4.125%
HK$63,233
baseline
▲ 0.50% · 4.625%
HK$67,080
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,466/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,195
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,970
−HK$1,801/mo
Today · 4.125%
HK$69,771
baseline
▲ 0.50% · 4.625%
HK$73,449
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,542/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,402
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,623
−HK$2,256/mo
Today · 4.125%
HK$75,879
baseline
▲ 0.50% · 4.625%
HK$80,496
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,758/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,434
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,564
−HK$2,161/mo
Today · 4.125%
HK$83,725
baseline
▲ 0.50% · 4.625%
HK$88,138
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,450/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,302
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,893
−HK$2,633/mo
Today · 4.125%
HK$88,526
baseline
▲ 0.50% · 4.625%
HK$93,912
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,052/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,672
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,158
−HK$2,521/mo
Today · 4.125%
HK$97,679
baseline
▲ 0.50% · 4.625%
HK$102,828
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,358/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,102
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,434
−HK$3,385/mo
Today · 4.125%
HK$113,819
baseline
▲ 0.50% · 4.625%
HK$120,744
+HK$6,925/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,638/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,150
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,346
−HK$3,242/mo
Today · 4.125%
HK$125,588
baseline
▲ 0.50% · 4.625%
HK$132,208
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,176/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,001 · Scale 2, in force from 26 Feb 2026)