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$59,105
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,944
−HK$1,868/mo
Today · 4.125%
HK$62,812
baseline
▲ 0.50% · 4.625%
HK$66,634
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,624/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,754
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,518
−HK$1,789/mo
Today · 4.125%
HK$69,307
baseline
▲ 0.50% · 4.625%
HK$72,960
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,614/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,927
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,133
−HK$2,241/mo
Today · 4.125%
HK$75,374
baseline
▲ 0.50% · 4.625%
HK$79,961
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,748/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,905
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,021
−HK$2,147/mo
Today · 4.125%
HK$83,168
baseline
▲ 0.50% · 4.625%
HK$87,552
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,336/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,748
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,322
−HK$2,615/mo
Today · 4.125%
HK$87,937
baseline
▲ 0.50% · 4.625%
HK$93,287
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,874/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,056
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,525
−HK$2,504/mo
Today · 4.125%
HK$97,029
baseline
▲ 0.50% · 4.625%
HK$102,144
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,058/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,390
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,699
−HK$3,362/mo
Today · 4.125%
HK$113,061
baseline
▲ 0.50% · 4.625%
HK$119,941
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,122/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,358
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,532
−HK$3,220/mo
Today · 4.125%
HK$124,752
baseline
▲ 0.50% · 4.625%
HK$131,328
+HK$6,576/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,504/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,624 · Scale 2, in force from 26 Feb 2026)