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$59,315
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,160
−HK$1,874/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,870
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,987
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,757
−HK$1,795/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,218
+HK$3,666/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,177
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,391
−HK$2,250/mo
Today · 4.125%
HK$75,641
baseline
▲ 0.50% · 4.625%
HK$80,243
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,282/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,184
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,308
−HK$2,154/mo
Today · 4.125%
HK$83,462
baseline
▲ 0.50% · 4.625%
HK$87,862
+HK$4,400/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,924/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,040
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,623
−HK$2,625/mo
Today · 4.125%
HK$88,248
baseline
▲ 0.50% · 4.625%
HK$93,617
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,496/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,382
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,859
−HK$2,514/mo
Today · 4.125%
HK$97,373
baseline
▲ 0.50% · 4.625%
HK$102,505
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,746/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,766
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,087
−HK$3,374/mo
Today · 4.125%
HK$113,461
baseline
▲ 0.50% · 4.625%
HK$120,365
+HK$6,904/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,922/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,776
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,962
−HK$3,231/mo
Today · 4.125%
HK$125,193
baseline
▲ 0.50% · 4.625%
HK$131,792
+HK$6,599/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,386/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,519 · Scale 2, in force from 26 Feb 2026)