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$59,146
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,985
−HK$1,870/mo
Today · 4.125%
HK$62,855
baseline
▲ 0.50% · 4.625%
HK$66,679
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,710/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,799
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,564
−HK$1,790/mo
Today · 4.125%
HK$69,354
baseline
▲ 0.50% · 4.625%
HK$73,010
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,708/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,975
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,183
−HK$2,243/mo
Today · 4.125%
HK$75,426
baseline
▲ 0.50% · 4.625%
HK$80,015
+HK$4,589/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$150,852/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,959
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,076
−HK$2,149/mo
Today · 4.125%
HK$83,225
baseline
▲ 0.50% · 4.625%
HK$87,612
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$166,450/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,804
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,380
−HK$2,617/mo
Today · 4.125%
HK$87,997
baseline
▲ 0.50% · 4.625%
HK$93,351
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$175,994/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,119
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,589
−HK$2,507/mo
Today · 4.125%
HK$97,096
baseline
▲ 0.50% · 4.625%
HK$102,214
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,192/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,462
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,774
−HK$3,364/mo
Today · 4.125%
HK$113,138
baseline
▲ 0.50% · 4.625%
HK$120,023
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,276/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,438
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,615
−HK$3,222/mo
Today · 4.125%
HK$124,837
baseline
▲ 0.50% · 4.625%
HK$131,417
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,674/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,374 · Scale 2, in force from 26 Feb 2026)