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$58,995
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,831
−HK$1,864/mo
Today · 4.125%
HK$62,695
baseline
▲ 0.50% · 4.625%
HK$66,510
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,390/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,632
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,392
−HK$1,786/mo
Today · 4.125%
HK$69,178
baseline
▲ 0.50% · 4.625%
HK$72,824
+HK$3,646/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,356/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,795
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,997
−HK$2,237/mo
Today · 4.125%
HK$75,234
baseline
▲ 0.50% · 4.625%
HK$79,812
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,468/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,758
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,870
−HK$2,143/mo
Today · 4.125%
HK$83,013
baseline
▲ 0.50% · 4.625%
HK$87,389
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,026/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,594
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,163
−HK$2,610/mo
Today · 4.125%
HK$87,773
baseline
▲ 0.50% · 4.625%
HK$93,114
+HK$5,341/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,546/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,885
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,349
−HK$2,500/mo
Today · 4.125%
HK$96,849
baseline
▲ 0.50% · 4.625%
HK$101,954
+HK$5,105/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,698/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,192
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,495
−HK$3,356/mo
Today · 4.125%
HK$112,851
baseline
▲ 0.50% · 4.625%
HK$119,718
+HK$6,867/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,702/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,137
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,306
−HK$3,214/mo
Today · 4.125%
HK$124,520
baseline
▲ 0.50% · 4.625%
HK$131,083
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,040/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,572 · Scale 2, in force from 26 Feb 2026)