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$59,230
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,072
−HK$1,872/mo
Today · 4.125%
HK$62,944
baseline
▲ 0.50% · 4.625%
HK$66,774
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,888/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,893
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,660
−HK$1,793/mo
Today · 4.125%
HK$69,453
baseline
▲ 0.50% · 4.625%
HK$73,114
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,906/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,076
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,287
−HK$2,246/mo
Today · 4.125%
HK$75,533
baseline
▲ 0.50% · 4.625%
HK$80,129
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,066/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,071
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,192
−HK$2,151/mo
Today · 4.125%
HK$83,343
baseline
▲ 0.50% · 4.625%
HK$87,736
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,686/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,922
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,501
−HK$2,621/mo
Today · 4.125%
HK$88,122
baseline
▲ 0.50% · 4.625%
HK$93,484
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,244/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,250
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,724
−HK$2,510/mo
Today · 4.125%
HK$97,234
baseline
▲ 0.50% · 4.625%
HK$102,359
+HK$5,125/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,468/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,614
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,930
−HK$3,370/mo
Today · 4.125%
HK$113,300
baseline
▲ 0.50% · 4.625%
HK$120,194
+HK$6,894/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,600/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,607
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,788
−HK$3,227/mo
Today · 4.125%
HK$125,015
baseline
▲ 0.50% · 4.625%
HK$131,605
+HK$6,590/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,030/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,944 · Scale 2, in force from 26 Feb 2026)