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$59,053
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,890
−HK$1,866/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,574
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,696
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,457
−HK$1,788/mo
Today · 4.125%
HK$69,245
baseline
▲ 0.50% · 4.625%
HK$72,895
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,490/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,863
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,068
−HK$2,239/mo
Today · 4.125%
HK$75,307
baseline
▲ 0.50% · 4.625%
HK$79,889
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,614/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,835
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,949
−HK$2,145/mo
Today · 4.125%
HK$83,094
baseline
▲ 0.50% · 4.625%
HK$87,474
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,188/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,674
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,245
−HK$2,613/mo
Today · 4.125%
HK$87,858
baseline
▲ 0.50% · 4.625%
HK$93,204
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,716/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,974
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,440
−HK$2,503/mo
Today · 4.125%
HK$96,943
baseline
▲ 0.50% · 4.625%
HK$102,053
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,886/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,295
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,601
−HK$3,360/mo
Today · 4.125%
HK$112,961
baseline
▲ 0.50% · 4.625%
HK$119,834
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,922/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,252
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,423
−HK$3,218/mo
Today · 4.125%
HK$124,641
baseline
▲ 0.50% · 4.625%
HK$131,211
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,282/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,640 · Scale 2, in force from 26 Feb 2026)