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$59,212
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,054
−HK$1,871/mo
Today · 4.125%
HK$62,925
baseline
▲ 0.50% · 4.625%
HK$66,754
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,850/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,639
−HK$1,793/mo
Today · 4.125%
HK$69,432
baseline
▲ 0.50% · 4.625%
HK$73,091
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,864/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,054
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,265
−HK$2,245/mo
Today · 4.125%
HK$75,510
baseline
▲ 0.50% · 4.625%
HK$80,105
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,020/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,047
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,167
−HK$2,151/mo
Today · 4.125%
HK$83,318
baseline
▲ 0.50% · 4.625%
HK$87,710
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,636/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,897
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,475
−HK$2,620/mo
Today · 4.125%
HK$88,095
baseline
▲ 0.50% · 4.625%
HK$93,455
+HK$5,360/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,190/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,222
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,695
−HK$2,509/mo
Today · 4.125%
HK$97,204
baseline
▲ 0.50% · 4.625%
HK$102,328
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,408/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,581
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,897
−HK$3,368/mo
Today · 4.125%
HK$113,265
baseline
▲ 0.50% · 4.625%
HK$120,157
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,530/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,571
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,751
−HK$3,226/mo
Today · 4.125%
HK$124,977
baseline
▲ 0.50% · 4.625%
HK$131,565
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,954/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,607 · Scale 2, in force from 26 Feb 2026)