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$59,071
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,867/mo
Today · 4.125%
HK$62,775
baseline
▲ 0.50% · 4.625%
HK$66,595
+HK$3,820/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,550/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,715
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,478
−HK$1,788/mo
Today · 4.125%
HK$69,266
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,532/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,885
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,090
−HK$2,240/mo
Today · 4.125%
HK$75,330
baseline
▲ 0.50% · 4.625%
HK$79,914
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,660/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,859
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,974
−HK$2,145/mo
Today · 4.125%
HK$83,119
baseline
▲ 0.50% · 4.625%
HK$87,500
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,238/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,699
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,271
−HK$2,614/mo
Today · 4.125%
HK$87,885
baseline
▲ 0.50% · 4.625%
HK$93,232
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,770/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,002
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,469
−HK$2,503/mo
Today · 4.125%
HK$96,972
baseline
▲ 0.50% · 4.625%
HK$102,084
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,944/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,327
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,635
−HK$3,360/mo
Today · 4.125%
HK$112,995
baseline
▲ 0.50% · 4.625%
HK$119,870
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,990/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,288
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,460
−HK$3,219/mo
Today · 4.125%
HK$124,679
baseline
▲ 0.50% · 4.625%
HK$131,251
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,358/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,974 · Scale 2, in force from 26 Feb 2026)