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$59,011
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,847
−HK$1,865/mo
Today · 4.125%
HK$62,712
baseline
▲ 0.50% · 4.625%
HK$66,527
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,424/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,649
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,410
−HK$1,786/mo
Today · 4.125%
HK$69,196
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,392/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,813
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,016
−HK$2,238/mo
Today · 4.125%
HK$75,254
baseline
▲ 0.50% · 4.625%
HK$79,833
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,508/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,779
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,892
−HK$2,143/mo
Today · 4.125%
HK$83,035
baseline
▲ 0.50% · 4.625%
HK$87,412
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,070/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,615
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,185
−HK$2,611/mo
Today · 4.125%
HK$87,796
baseline
▲ 0.50% · 4.625%
HK$93,138
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,592/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,909
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,374
−HK$2,500/mo
Today · 4.125%
HK$96,874
baseline
▲ 0.50% · 4.625%
HK$101,981
+HK$5,107/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,748/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,220
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,524
−HK$3,357/mo
Today · 4.125%
HK$112,881
baseline
▲ 0.50% · 4.625%
HK$119,749
+HK$6,868/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,762/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,169
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,338
−HK$3,215/mo
Today · 4.125%
HK$124,553
baseline
▲ 0.50% · 4.625%
HK$131,118
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,106/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,863 · Scale 2, in force from 26 Feb 2026)