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$58,955
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,789
−HK$1,863/mo
Today · 4.125%
HK$62,652
baseline
▲ 0.50% · 4.625%
HK$66,464
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,304/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,587
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,346
−HK$1,785/mo
Today · 4.125%
HK$69,131
baseline
▲ 0.50% · 4.625%
HK$72,775
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,262/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,746
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,947
−HK$2,236/mo
Today · 4.125%
HK$75,183
baseline
▲ 0.50% · 4.625%
HK$79,757
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,366/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,704
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,815
−HK$2,142/mo
Today · 4.125%
HK$82,957
baseline
▲ 0.50% · 4.625%
HK$87,329
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,914/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,537
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,105
−HK$2,608/mo
Today · 4.125%
HK$87,713
baseline
▲ 0.50% · 4.625%
HK$93,050
+HK$5,337/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,426/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,822
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,285
−HK$2,498/mo
Today · 4.125%
HK$96,783
baseline
▲ 0.50% · 4.625%
HK$101,884
+HK$5,101/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,566/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,119
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,420
−HK$3,354/mo
Today · 4.125%
HK$112,774
baseline
▲ 0.50% · 4.625%
HK$119,636
+HK$6,862/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,548/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,057
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,223
−HK$3,212/mo
Today · 4.125%
HK$124,435
baseline
▲ 0.50% · 4.625%
HK$130,994
+HK$6,559/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,870/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,823 · Scale 2, in force from 26 Feb 2026)