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$58,962
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,796
−HK$1,864/mo
Today · 4.125%
HK$62,660
baseline
▲ 0.50% · 4.625%
HK$66,472
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,320/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,595
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,354
−HK$1,785/mo
Today · 4.125%
HK$69,139
baseline
▲ 0.50% · 4.625%
HK$72,783
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,278/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,754
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,955
−HK$2,236/mo
Today · 4.125%
HK$75,191
baseline
▲ 0.50% · 4.625%
HK$79,767
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,382/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,714
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,825
−HK$2,141/mo
Today · 4.125%
HK$82,966
baseline
▲ 0.50% · 4.625%
HK$87,340
+HK$4,374/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,932/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,547
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,115
−HK$2,608/mo
Today · 4.125%
HK$87,723
baseline
▲ 0.50% · 4.625%
HK$93,061
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,446/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,833
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,295
−HK$2,499/mo
Today · 4.125%
HK$96,794
baseline
▲ 0.50% · 4.625%
HK$101,896
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,588/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,132
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,433
−HK$3,354/mo
Today · 4.125%
HK$112,787
baseline
▲ 0.50% · 4.625%
HK$119,650
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,574/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,070
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,237
−HK$3,212/mo
Today · 4.125%
HK$124,449
baseline
▲ 0.50% · 4.625%
HK$131,009
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,898/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,950 · Scale 2, in force from 26 Feb 2026)