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$59,128
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,967
−HK$1,869/mo
Today · 4.125%
HK$62,836
baseline
▲ 0.50% · 4.625%
HK$66,659
+HK$3,823/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,672/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,779
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,543
−HK$1,790/mo
Today · 4.125%
HK$69,333
baseline
▲ 0.50% · 4.625%
HK$72,988
+HK$3,655/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,666/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,954
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,161
−HK$2,242/mo
Today · 4.125%
HK$75,403
baseline
▲ 0.50% · 4.625%
HK$79,991
+HK$4,588/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,806/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,935
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,052
−HK$2,148/mo
Today · 4.125%
HK$83,200
baseline
▲ 0.50% · 4.625%
HK$87,585
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,400/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,779
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,354
−HK$2,616/mo
Today · 4.125%
HK$87,970
baseline
▲ 0.50% · 4.625%
HK$93,323
+HK$5,353/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,940/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,091
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,561
−HK$2,505/mo
Today · 4.125%
HK$97,066
baseline
▲ 0.50% · 4.625%
HK$102,183
+HK$5,117/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,132/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,430
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,741
−HK$3,363/mo
Today · 4.125%
HK$113,104
baseline
▲ 0.50% · 4.625%
HK$119,987
+HK$6,883/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,208/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,403
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,578
−HK$3,222/mo
Today · 4.125%
HK$124,800
baseline
▲ 0.50% · 4.625%
HK$131,378
+HK$6,578/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,600/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,043 · Scale 2, in force from 26 Feb 2026)