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$58,985
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,820
−HK$1,864/mo
Today · 4.125%
HK$62,684
baseline
▲ 0.50% · 4.625%
HK$66,498
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,368/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,620
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,380
−HK$1,785/mo
Today · 4.125%
HK$69,165
baseline
▲ 0.50% · 4.625%
HK$72,811
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,330/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,782
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$2,236/mo
Today · 4.125%
HK$75,220
baseline
▲ 0.50% · 4.625%
HK$79,797
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,440/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,744
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,856
−HK$2,142/mo
Today · 4.125%
HK$82,998
baseline
▲ 0.50% · 4.625%
HK$87,373
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,996/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,579
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,147
−HK$2,610/mo
Today · 4.125%
HK$87,757
baseline
▲ 0.50% · 4.625%
HK$93,097
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,514/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,868
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,332
−HK$2,499/mo
Today · 4.125%
HK$96,831
baseline
▲ 0.50% · 4.625%
HK$101,936
+HK$5,105/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,662/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,173
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,475
−HK$3,356/mo
Today · 4.125%
HK$112,831
baseline
▲ 0.50% · 4.625%
HK$119,696
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,662/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,116
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,284
−HK$3,214/mo
Today · 4.125%
HK$124,498
baseline
▲ 0.50% · 4.625%
HK$131,060
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,996/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,375 · Scale 2, in force from 26 Feb 2026)