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$59,199
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,041
−HK$1,871/mo
Today · 4.125%
HK$62,912
baseline
▲ 0.50% · 4.625%
HK$66,740
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,824/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,859
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,625
−HK$1,792/mo
Today · 4.125%
HK$69,417
baseline
▲ 0.50% · 4.625%
HK$73,076
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,834/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,039
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,249
−HK$2,245/mo
Today · 4.125%
HK$75,494
baseline
▲ 0.50% · 4.625%
HK$80,087
+HK$4,593/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$150,988/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,030
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,150
−HK$2,150/mo
Today · 4.125%
HK$83,300
baseline
▲ 0.50% · 4.625%
HK$87,691
+HK$4,391/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$166,600/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,879
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,457
−HK$2,619/mo
Today · 4.125%
HK$88,076
baseline
▲ 0.50% · 4.625%
HK$93,435
+HK$5,359/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,152/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,202
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,675
−HK$2,508/mo
Today · 4.125%
HK$97,183
baseline
▲ 0.50% · 4.625%
HK$102,306
+HK$5,123/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,366/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,559
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,873
−HK$3,368/mo
Today · 4.125%
HK$113,241
baseline
▲ 0.50% · 4.625%
HK$120,131
+HK$6,890/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,482/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,545
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,725
−HK$3,225/mo
Today · 4.125%
HK$124,950
baseline
▲ 0.50% · 4.625%
HK$131,536
+HK$6,586/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,900/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,371 · Scale 2, in force from 26 Feb 2026)