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$59,262
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,105
−HK$1,873/mo
Today · 4.125%
HK$62,978
baseline
▲ 0.50% · 4.625%
HK$66,810
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,956/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,697
−HK$1,793/mo
Today · 4.125%
HK$69,490
baseline
▲ 0.50% · 4.625%
HK$73,153
+HK$3,663/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,980/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,114
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,327
−HK$2,247/mo
Today · 4.125%
HK$75,574
baseline
▲ 0.50% · 4.625%
HK$80,172
+HK$4,598/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$151,148/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,114
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,236
−HK$2,152/mo
Today · 4.125%
HK$83,388
baseline
▲ 0.50% · 4.625%
HK$87,784
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$166,776/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,967
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,548
−HK$2,622/mo
Today · 4.125%
HK$88,170
baseline
▲ 0.50% · 4.625%
HK$93,535
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,340/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,300
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,775
−HK$2,511/mo
Today · 4.125%
HK$97,286
baseline
▲ 0.50% · 4.625%
HK$102,415
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,572/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,672
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,990
−HK$3,371/mo
Today · 4.125%
HK$113,361
baseline
▲ 0.50% · 4.625%
HK$120,259
+HK$6,898/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,722/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,671
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,854
−HK$3,229/mo
Today · 4.125%
HK$125,083
baseline
▲ 0.50% · 4.625%
HK$131,676
+HK$6,593/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,166/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,541 · Scale 2, in force from 26 Feb 2026)