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$59,035
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,872
−HK$1,865/mo
Today · 4.125%
HK$62,737
baseline
▲ 0.50% · 4.625%
HK$66,555
+HK$3,818/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,474/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,676
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,437
−HK$1,787/mo
Today · 4.125%
HK$69,224
baseline
▲ 0.50% · 4.625%
HK$72,873
+HK$3,649/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,448/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,842
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,046
−HK$2,239/mo
Today · 4.125%
HK$75,285
baseline
▲ 0.50% · 4.625%
HK$79,866
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,570/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,811
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,925
−HK$2,144/mo
Today · 4.125%
HK$83,069
baseline
▲ 0.50% · 4.625%
HK$87,448
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,138/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,649
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,220
−HK$2,612/mo
Today · 4.125%
HK$87,832
baseline
▲ 0.50% · 4.625%
HK$93,176
+HK$5,344/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,664/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,946
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,412
−HK$2,502/mo
Today · 4.125%
HK$96,914
baseline
▲ 0.50% · 4.625%
HK$102,023
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,828/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,263
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,569
−HK$3,358/mo
Today · 4.125%
HK$112,927
baseline
▲ 0.50% · 4.625%
HK$119,798
+HK$6,871/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,854/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,217
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,387
−HK$3,217/mo
Today · 4.125%
HK$124,604
baseline
▲ 0.50% · 4.625%
HK$131,172
+HK$6,568/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,208/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,314 · Scale 2, in force from 26 Feb 2026)