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$59,550
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,402
−HK$1,882/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$67,135
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,248
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$1,803/mo
Today · 4.125%
HK$69,828
baseline
▲ 0.50% · 4.625%
HK$73,508
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,656/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,682
−HK$2,259/mo
Today · 4.125%
HK$75,941
baseline
▲ 0.50% · 4.625%
HK$80,562
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,882/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,498
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,630
−HK$2,163/mo
Today · 4.125%
HK$83,793
baseline
▲ 0.50% · 4.625%
HK$88,210
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,586/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,370
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,963
−HK$2,635/mo
Today · 4.125%
HK$88,598
baseline
▲ 0.50% · 4.625%
HK$93,989
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,196/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,748
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,235
−HK$2,524/mo
Today · 4.125%
HK$97,759
baseline
▲ 0.50% · 4.625%
HK$102,912
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,518/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,189
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,524
−HK$3,387/mo
Today · 4.125%
HK$113,911
baseline
▲ 0.50% · 4.625%
HK$120,842
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,822/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,247
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,445
−HK$3,245/mo
Today · 4.125%
HK$125,690
baseline
▲ 0.50% · 4.625%
HK$132,315
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,380/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,903 · Scale 2, in force from 26 Feb 2026)