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$59,636
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,884/mo
Today · 4.125%
HK$63,375
baseline
▲ 0.50% · 4.625%
HK$67,232
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,750/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,344
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,124
−HK$1,805/mo
Today · 4.125%
HK$69,929
baseline
▲ 0.50% · 4.625%
HK$73,615
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,858/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,563
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,789
−HK$2,262/mo
Today · 4.125%
HK$76,051
baseline
▲ 0.50% · 4.625%
HK$80,678
+HK$4,627/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,102/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,748
−HK$2,166/mo
Today · 4.125%
HK$83,914
baseline
▲ 0.50% · 4.625%
HK$88,338
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,828/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,490
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,087
−HK$2,639/mo
Today · 4.125%
HK$88,726
baseline
▲ 0.50% · 4.625%
HK$94,124
+HK$5,398/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,452/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,882
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,373
−HK$2,527/mo
Today · 4.125%
HK$97,900
baseline
▲ 0.50% · 4.625%
HK$103,060
+HK$5,160/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,800/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,344
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,683
−HK$3,393/mo
Today · 4.125%
HK$114,076
baseline
▲ 0.50% · 4.625%
HK$121,017
+HK$6,941/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,152/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,420
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,622
−HK$3,249/mo
Today · 4.125%
HK$125,871
baseline
▲ 0.50% · 4.625%
HK$132,506
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,742/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,508 · Scale 2, in force from 26 Feb 2026)