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$59,214
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,056
−HK$1,871/mo
Today · 4.125%
HK$62,927
baseline
▲ 0.50% · 4.625%
HK$66,756
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,854/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,875
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,642
−HK$1,792/mo
Today · 4.125%
HK$69,434
baseline
▲ 0.50% · 4.625%
HK$73,094
+HK$3,660/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,868/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,057
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,267
−HK$2,246/mo
Today · 4.125%
HK$75,513
baseline
▲ 0.50% · 4.625%
HK$80,107
+HK$4,594/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,026/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,050
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,170
−HK$2,151/mo
Today · 4.125%
HK$83,321
baseline
▲ 0.50% · 4.625%
HK$87,713
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,642/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,899
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,478
−HK$2,620/mo
Today · 4.125%
HK$88,098
baseline
▲ 0.50% · 4.625%
HK$93,458
+HK$5,360/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,196/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,225
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,698
−HK$2,509/mo
Today · 4.125%
HK$97,207
baseline
▲ 0.50% · 4.625%
HK$102,331
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,414/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,585
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,900
−HK$3,369/mo
Today · 4.125%
HK$113,269
baseline
▲ 0.50% · 4.625%
HK$120,161
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,538/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,575
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,755
−HK$3,226/mo
Today · 4.125%
HK$124,981
baseline
▲ 0.50% · 4.625%
HK$131,569
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,962/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,644 · Scale 2, in force from 26 Feb 2026)