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$59,545
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,397
−HK$1,882/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$67,129
+HK$3,850/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,243
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$1,802/mo
Today · 4.125%
HK$69,822
baseline
▲ 0.50% · 4.625%
HK$73,502
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,644/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,454
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,677
−HK$2,258/mo
Today · 4.125%
HK$75,935
baseline
▲ 0.50% · 4.625%
HK$80,555
+HK$4,620/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,870/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,492
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,624
−HK$2,162/mo
Today · 4.125%
HK$83,786
baseline
▲ 0.50% · 4.625%
HK$88,203
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,572/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,363
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,956
−HK$2,634/mo
Today · 4.125%
HK$88,590
baseline
▲ 0.50% · 4.625%
HK$93,981
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,180/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,740
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,228
−HK$2,523/mo
Today · 4.125%
HK$97,751
baseline
▲ 0.50% · 4.625%
HK$102,903
+HK$5,152/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,502/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,181
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,515
−HK$3,387/mo
Today · 4.125%
HK$113,902
baseline
▲ 0.50% · 4.625%
HK$120,833
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,804/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,238
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,436
−HK$3,244/mo
Today · 4.125%
HK$125,680
baseline
▲ 0.50% · 4.625%
HK$132,304
+HK$6,624/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,360/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,814 · Scale 2, in force from 26 Feb 2026)