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$59,151
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,991
−HK$1,870/mo
Today · 4.125%
HK$62,861
baseline
▲ 0.50% · 4.625%
HK$66,685
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,722/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,805
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,570
−HK$1,790/mo
Today · 4.125%
HK$69,360
baseline
▲ 0.50% · 4.625%
HK$73,016
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,720/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,981
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,189
−HK$2,244/mo
Today · 4.125%
HK$75,433
baseline
▲ 0.50% · 4.625%
HK$80,023
+HK$4,590/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$150,866/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,966
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,084
−HK$2,148/mo
Today · 4.125%
HK$83,232
baseline
▲ 0.50% · 4.625%
HK$87,620
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$166,464/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,812
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,388
−HK$2,617/mo
Today · 4.125%
HK$88,005
baseline
▲ 0.50% · 4.625%
HK$93,360
+HK$5,355/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,010/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,127
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,598
−HK$2,507/mo
Today · 4.125%
HK$97,105
baseline
▲ 0.50% · 4.625%
HK$102,223
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,210/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,472
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,784
−HK$3,365/mo
Today · 4.125%
HK$113,149
baseline
▲ 0.50% · 4.625%
HK$120,034
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,298/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,449
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,626
−HK$3,223/mo
Today · 4.125%
HK$124,849
baseline
▲ 0.50% · 4.625%
HK$131,430
+HK$6,581/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,698/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,476 · Scale 2, in force from 26 Feb 2026)