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$59,337
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,183
−HK$1,875/mo
Today · 4.125%
HK$63,058
baseline
▲ 0.50% · 4.625%
HK$66,895
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,116/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,012
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,782
−HK$1,796/mo
Today · 4.125%
HK$69,578
baseline
▲ 0.50% · 4.625%
HK$73,246
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,156/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,419
−HK$2,251/mo
Today · 4.125%
HK$75,670
baseline
▲ 0.50% · 4.625%
HK$80,274
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,340/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,214
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,339
−HK$2,155/mo
Today · 4.125%
HK$83,494
baseline
▲ 0.50% · 4.625%
HK$87,895
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,988/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,072
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,656
−HK$2,625/mo
Today · 4.125%
HK$88,281
baseline
▲ 0.50% · 4.625%
HK$93,653
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,562/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,417
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,895
−HK$2,515/mo
Today · 4.125%
HK$97,410
baseline
▲ 0.50% · 4.625%
HK$102,544
+HK$5,134/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,820/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,807
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,129
−HK$3,375/mo
Today · 4.125%
HK$113,504
baseline
▲ 0.50% · 4.625%
HK$120,411
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,008/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,821
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,008
−HK$3,233/mo
Today · 4.125%
HK$125,241
baseline
▲ 0.50% · 4.625%
HK$131,843
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,482/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,940 · Scale 2, in force from 26 Feb 2026)