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$59,033
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,869
−HK$1,865/mo
Today · 4.125%
HK$62,734
baseline
▲ 0.50% · 4.625%
HK$66,552
+HK$3,818/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,468/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,673
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,435
−HK$1,786/mo
Today · 4.125%
HK$69,221
baseline
▲ 0.50% · 4.625%
HK$72,870
+HK$3,649/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,442/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,839
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,043
−HK$2,238/mo
Today · 4.125%
HK$75,281
baseline
▲ 0.50% · 4.625%
HK$79,862
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,562/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,808
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,921
−HK$2,145/mo
Today · 4.125%
HK$83,066
baseline
▲ 0.50% · 4.625%
HK$87,444
+HK$4,378/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,132/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,646
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,216
−HK$2,612/mo
Today · 4.125%
HK$87,828
baseline
▲ 0.50% · 4.625%
HK$93,172
+HK$5,344/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,656/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,942
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,408
−HK$2,502/mo
Today · 4.125%
HK$96,910
baseline
▲ 0.50% · 4.625%
HK$102,018
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,820/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,259
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,564
−HK$3,358/mo
Today · 4.125%
HK$112,922
baseline
▲ 0.50% · 4.625%
HK$119,793
+HK$6,871/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,844/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,212
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,382
−HK$3,216/mo
Today · 4.125%
HK$124,598
baseline
▲ 0.50% · 4.625%
HK$131,166
+HK$6,568/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,196/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,265 · Scale 2, in force from 26 Feb 2026)