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$59,182
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,023
−HK$1,870/mo
Today · 4.125%
HK$62,893
baseline
▲ 0.50% · 4.625%
HK$66,720
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,786/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,839
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,605
−HK$1,792/mo
Today · 4.125%
HK$69,397
baseline
▲ 0.50% · 4.625%
HK$73,054
+HK$3,657/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,794/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,018
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,228
−HK$2,244/mo
Today · 4.125%
HK$75,472
baseline
▲ 0.50% · 4.625%
HK$80,064
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,944/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,007
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,126
−HK$2,150/mo
Today · 4.125%
HK$83,276
baseline
▲ 0.50% · 4.625%
HK$87,665
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,552/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,855
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,432
−HK$2,619/mo
Today · 4.125%
HK$88,051
baseline
▲ 0.50% · 4.625%
HK$93,408
+HK$5,357/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,102/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,175
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,647
−HK$2,508/mo
Today · 4.125%
HK$97,155
baseline
▲ 0.50% · 4.625%
HK$102,276
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,310/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,528
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,841
−HK$3,367/mo
Today · 4.125%
HK$113,208
baseline
▲ 0.50% · 4.625%
HK$120,096
+HK$6,888/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,416/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,511
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,689
−HK$3,225/mo
Today · 4.125%
HK$124,914
baseline
▲ 0.50% · 4.625%
HK$131,498
+HK$6,584/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,828/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,050 · Scale 2, in force from 26 Feb 2026)