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$59,096
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,934
−HK$1,867/mo
Today · 4.125%
HK$62,801
baseline
▲ 0.50% · 4.625%
HK$66,623
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,602/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,743
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,507
−HK$1,788/mo
Today · 4.125%
HK$69,295
baseline
▲ 0.50% · 4.625%
HK$72,948
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,590/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,915
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,121
−HK$2,241/mo
Today · 4.125%
HK$75,362
baseline
▲ 0.50% · 4.625%
HK$79,947
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,724/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,892
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,008
−HK$2,146/mo
Today · 4.125%
HK$83,154
baseline
▲ 0.50% · 4.625%
HK$87,537
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,308/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,734
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,307
−HK$2,615/mo
Today · 4.125%
HK$87,922
baseline
▲ 0.50% · 4.625%
HK$93,272
+HK$5,350/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,844/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,041
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,509
−HK$2,504/mo
Today · 4.125%
HK$97,013
baseline
▲ 0.50% · 4.625%
HK$102,127
+HK$5,114/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,026/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,372
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,681
−HK$3,362/mo
Today · 4.125%
HK$113,043
baseline
▲ 0.50% · 4.625%
HK$119,921
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,086/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,338
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,512
−HK$3,219/mo
Today · 4.125%
HK$124,731
baseline
▲ 0.50% · 4.625%
HK$131,306
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,462/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,440 · Scale 2, in force from 26 Feb 2026)