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$59,168
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,009
−HK$1,870/mo
Today · 4.125%
HK$62,879
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,758/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,824
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$1,791/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,002
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,211
−HK$2,244/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$80,046
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,989
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,149/mo
Today · 4.125%
HK$83,257
baseline
▲ 0.50% · 4.625%
HK$87,645
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,514/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,836
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,413
−HK$2,617/mo
Today · 4.125%
HK$88,030
baseline
▲ 0.50% · 4.625%
HK$93,387
+HK$5,357/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,060/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,154
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,626
−HK$2,507/mo
Today · 4.125%
HK$97,133
baseline
▲ 0.50% · 4.625%
HK$102,253
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,266/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,503
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,816
−HK$3,366/mo
Today · 4.125%
HK$113,182
baseline
▲ 0.50% · 4.625%
HK$120,069
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,364/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,484
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,661
−HK$3,224/mo
Today · 4.125%
HK$124,885
baseline
▲ 0.50% · 4.625%
HK$131,468
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,770/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,798 · Scale 2, in force from 26 Feb 2026)