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$59,260
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,103
−HK$1,873/mo
Today · 4.125%
HK$62,976
baseline
▲ 0.50% · 4.625%
HK$66,808
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,952/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,926
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,694
−HK$1,794/mo
Today · 4.125%
HK$69,488
baseline
▲ 0.50% · 4.625%
HK$73,150
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,976/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,112
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,324
−HK$2,247/mo
Today · 4.125%
HK$75,571
baseline
▲ 0.50% · 4.625%
HK$80,169
+HK$4,598/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$151,142/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,111
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,233
−HK$2,152/mo
Today · 4.125%
HK$83,385
baseline
▲ 0.50% · 4.625%
HK$87,781
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$166,770/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,964
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,544
−HK$2,622/mo
Today · 4.125%
HK$88,166
baseline
▲ 0.50% · 4.625%
HK$93,531
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,332/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,296
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,772
−HK$2,511/mo
Today · 4.125%
HK$97,283
baseline
▲ 0.50% · 4.625%
HK$102,411
+HK$5,128/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,566/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,668
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,986
−HK$3,371/mo
Today · 4.125%
HK$113,357
baseline
▲ 0.50% · 4.625%
HK$120,254
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,714/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,667
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,849
−HK$3,229/mo
Today · 4.125%
HK$125,078
baseline
▲ 0.50% · 4.625%
HK$131,671
+HK$6,593/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,156/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,499 · Scale 2, in force from 26 Feb 2026)