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$59,241
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,084
−HK$1,872/mo
Today · 4.125%
HK$62,956
baseline
▲ 0.50% · 4.625%
HK$66,787
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,912/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,905
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,672
−HK$1,794/mo
Today · 4.125%
HK$69,466
baseline
▲ 0.50% · 4.625%
HK$73,127
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,932/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,089
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,300
−HK$2,247/mo
Today · 4.125%
HK$75,547
baseline
▲ 0.50% · 4.625%
HK$80,144
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,094/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,086
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,207
−HK$2,152/mo
Today · 4.125%
HK$83,359
baseline
▲ 0.50% · 4.625%
HK$87,753
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,718/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,937
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,517
−HK$2,621/mo
Today · 4.125%
HK$88,138
baseline
▲ 0.50% · 4.625%
HK$93,501
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$176,276/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,267
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,741
−HK$2,511/mo
Today · 4.125%
HK$97,252
baseline
▲ 0.50% · 4.625%
HK$102,378
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$194,504/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,634
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,951
−HK$3,369/mo
Today · 4.125%
HK$113,320
baseline
▲ 0.50% · 4.625%
HK$120,216
+HK$6,896/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,640/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,629
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,810
−HK$3,228/mo
Today · 4.125%
HK$125,038
baseline
▲ 0.50% · 4.625%
HK$131,629
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,076/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,147 · Scale 2, in force from 26 Feb 2026)