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$58,958
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,792
−HK$1,863/mo
Today · 4.125%
HK$62,655
baseline
▲ 0.50% · 4.625%
HK$66,468
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,310/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,590
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,349
−HK$1,785/mo
Today · 4.125%
HK$69,134
baseline
▲ 0.50% · 4.625%
HK$72,778
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,268/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$2,236/mo
Today · 4.125%
HK$75,186
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$4,575/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,372/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,708
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,819
−HK$2,141/mo
Today · 4.125%
HK$82,960
baseline
▲ 0.50% · 4.625%
HK$87,333
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,920/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,541
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,608/mo
Today · 4.125%
HK$87,717
baseline
▲ 0.50% · 4.625%
HK$93,055
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,434/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,826
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,289
−HK$2,498/mo
Today · 4.125%
HK$96,787
baseline
▲ 0.50% · 4.625%
HK$101,889
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,574/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,124
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,425
−HK$3,354/mo
Today · 4.125%
HK$112,779
baseline
▲ 0.50% · 4.625%
HK$119,642
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,558/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,062
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,229
−HK$3,212/mo
Today · 4.125%
HK$124,441
baseline
▲ 0.50% · 4.625%
HK$131,000
+HK$6,559/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,882/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,873 · Scale 2, in force from 26 Feb 2026)