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$59,050
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,887
−HK$1,866/mo
Today · 4.125%
HK$62,753
baseline
▲ 0.50% · 4.625%
HK$66,572
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,506/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,693
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,455
−HK$1,787/mo
Today · 4.125%
HK$69,242
baseline
▲ 0.50% · 4.625%
HK$72,892
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,484/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,861
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,065
−HK$2,239/mo
Today · 4.125%
HK$75,304
baseline
▲ 0.50% · 4.625%
HK$79,886
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,608/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,832
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,946
−HK$2,145/mo
Today · 4.125%
HK$83,091
baseline
▲ 0.50% · 4.625%
HK$87,471
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,182/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,671
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,242
−HK$2,613/mo
Today · 4.125%
HK$87,855
baseline
▲ 0.50% · 4.625%
HK$93,201
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,710/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,970
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,437
−HK$2,502/mo
Today · 4.125%
HK$96,939
baseline
▲ 0.50% · 4.625%
HK$102,049
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,878/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,291
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,597
−HK$3,359/mo
Today · 4.125%
HK$112,956
baseline
▲ 0.50% · 4.625%
HK$119,829
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,912/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,247
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,419
−HK$3,217/mo
Today · 4.125%
HK$124,636
baseline
▲ 0.50% · 4.625%
HK$131,206
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,272/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,598 · Scale 2, in force from 26 Feb 2026)