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$59,013
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,849
−HK$1,865/mo
Today · 4.125%
HK$62,714
baseline
▲ 0.50% · 4.625%
HK$66,530
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,428/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,652
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,412
−HK$1,787/mo
Today · 4.125%
HK$69,199
baseline
▲ 0.50% · 4.625%
HK$72,846
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,398/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,816
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,019
−HK$2,238/mo
Today · 4.125%
HK$75,257
baseline
▲ 0.50% · 4.625%
HK$79,836
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,514/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,782
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,895
−HK$2,143/mo
Today · 4.125%
HK$83,038
baseline
▲ 0.50% · 4.625%
HK$87,415
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,076/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,619
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,189
−HK$2,611/mo
Today · 4.125%
HK$87,800
baseline
▲ 0.50% · 4.625%
HK$93,142
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,600/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,912
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,377
−HK$2,501/mo
Today · 4.125%
HK$96,878
baseline
▲ 0.50% · 4.625%
HK$101,985
+HK$5,107/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,756/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,224
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,528
−HK$3,357/mo
Today · 4.125%
HK$112,885
baseline
▲ 0.50% · 4.625%
HK$119,754
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,770/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,173
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,342
−HK$3,216/mo
Today · 4.125%
HK$124,558
baseline
▲ 0.50% · 4.625%
HK$131,123
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,116/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,905 · Scale 2, in force from 26 Feb 2026)