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$59,023
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,859
−HK$1,866/mo
Today · 4.125%
HK$62,725
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,450/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,663
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,424
−HK$1,787/mo
Today · 4.125%
HK$69,211
baseline
▲ 0.50% · 4.625%
HK$72,859
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,422/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,828
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,031
−HK$2,239/mo
Today · 4.125%
HK$75,270
baseline
▲ 0.50% · 4.625%
HK$79,850
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,540/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,796
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,909
−HK$2,144/mo
Today · 4.125%
HK$83,053
baseline
▲ 0.50% · 4.625%
HK$87,431
+HK$4,378/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,106/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,633
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,203
−HK$2,612/mo
Today · 4.125%
HK$87,815
baseline
▲ 0.50% · 4.625%
HK$93,158
+HK$5,343/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,630/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,928
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,394
−HK$2,501/mo
Today · 4.125%
HK$96,895
baseline
▲ 0.50% · 4.625%
HK$102,002
+HK$5,107/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,790/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,242
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,547
−HK$3,358/mo
Today · 4.125%
HK$112,905
baseline
▲ 0.50% · 4.625%
HK$119,775
+HK$6,870/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,810/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,193
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,363
−HK$3,216/mo
Today · 4.125%
HK$124,579
baseline
▲ 0.50% · 4.625%
HK$131,146
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,158/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,095 · Scale 2, in force from 26 Feb 2026)