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$59,193
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,035
−HK$1,870/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,733
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,618
−HK$1,792/mo
Today · 4.125%
HK$69,410
baseline
▲ 0.50% · 4.625%
HK$73,069
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,820/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,032
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,242
−HK$2,244/mo
Today · 4.125%
HK$75,486
baseline
▲ 0.50% · 4.625%
HK$80,080
+HK$4,594/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$150,972/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,023
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,142
−HK$2,150/mo
Today · 4.125%
HK$83,292
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$4,390/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$166,584/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,871
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,449
−HK$2,619/mo
Today · 4.125%
HK$88,068
baseline
▲ 0.50% · 4.625%
HK$93,426
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,136/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,193
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,665
−HK$2,509/mo
Today · 4.125%
HK$97,174
baseline
▲ 0.50% · 4.625%
HK$102,296
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,348/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,548
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,862
−HK$3,368/mo
Today · 4.125%
HK$113,230
baseline
▲ 0.50% · 4.625%
HK$120,119
+HK$6,889/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,460/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,534
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,713
−HK$3,225/mo
Today · 4.125%
HK$124,938
baseline
▲ 0.50% · 4.625%
HK$131,523
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,876/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,263 · Scale 2, in force from 26 Feb 2026)