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$59,257
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,100
−HK$1,873/mo
Today · 4.125%
HK$62,973
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,946/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,922
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$1,794/mo
Today · 4.125%
HK$69,484
baseline
▲ 0.50% · 4.625%
HK$73,147
+HK$3,663/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,968/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,108
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,320
−HK$2,247/mo
Today · 4.125%
HK$75,567
baseline
▲ 0.50% · 4.625%
HK$80,165
+HK$4,598/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,134/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,107
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,229
−HK$2,152/mo
Today · 4.125%
HK$83,381
baseline
▲ 0.50% · 4.625%
HK$87,776
+HK$4,395/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,762/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,959
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,540
−HK$2,622/mo
Today · 4.125%
HK$88,162
baseline
▲ 0.50% · 4.625%
HK$93,526
+HK$5,364/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,324/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,291
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,767
−HK$2,511/mo
Today · 4.125%
HK$97,278
baseline
▲ 0.50% · 4.625%
HK$102,405
+HK$5,127/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,556/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,662
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,980
−HK$3,371/mo
Today · 4.125%
HK$113,351
baseline
▲ 0.50% · 4.625%
HK$120,248
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,702/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,660
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,843
−HK$3,228/mo
Today · 4.125%
HK$125,071
baseline
▲ 0.50% · 4.625%
HK$131,664
+HK$6,593/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,142/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,442 · Scale 2, in force from 26 Feb 2026)