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$59,100
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,938
−HK$1,868/mo
Today · 4.125%
HK$62,806
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,612/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,748
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,511
−HK$1,789/mo
Today · 4.125%
HK$69,300
baseline
▲ 0.50% · 4.625%
HK$72,953
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,600/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,919
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,125
−HK$2,242/mo
Today · 4.125%
HK$75,367
baseline
▲ 0.50% · 4.625%
HK$79,953
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,734/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,897
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,013
−HK$2,147/mo
Today · 4.125%
HK$83,160
baseline
▲ 0.50% · 4.625%
HK$87,543
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,320/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,739
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,313
−HK$2,615/mo
Today · 4.125%
HK$87,928
baseline
▲ 0.50% · 4.625%
HK$93,278
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,856/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,047
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,515
−HK$2,505/mo
Today · 4.125%
HK$97,020
baseline
▲ 0.50% · 4.625%
HK$102,134
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,040/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,379
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,688
−HK$3,362/mo
Today · 4.125%
HK$113,050
baseline
▲ 0.50% · 4.625%
HK$119,929
+HK$6,879/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,100/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,346
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,520
−HK$3,220/mo
Today · 4.125%
HK$124,740
baseline
▲ 0.50% · 4.625%
HK$131,315
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,480/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,513 · Scale 2, in force from 26 Feb 2026)