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$59,230
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,072
−HK$1,872/mo
Today · 4.125%
HK$62,944
baseline
▲ 0.50% · 4.625%
HK$66,774
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,888/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,892
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,660
−HK$1,792/mo
Today · 4.125%
HK$69,452
baseline
▲ 0.50% · 4.625%
HK$73,113
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,904/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,076
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,286
−HK$2,247/mo
Today · 4.125%
HK$75,533
baseline
▲ 0.50% · 4.625%
HK$80,129
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,066/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,071
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,191
−HK$2,152/mo
Today · 4.125%
HK$83,343
baseline
▲ 0.50% · 4.625%
HK$87,736
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,686/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,921
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,501
−HK$2,620/mo
Today · 4.125%
HK$88,121
baseline
▲ 0.50% · 4.625%
HK$93,483
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,242/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,249
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,723
−HK$2,510/mo
Today · 4.125%
HK$97,233
baseline
▲ 0.50% · 4.625%
HK$102,359
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,466/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,613
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,930
−HK$3,369/mo
Today · 4.125%
HK$113,299
baseline
▲ 0.50% · 4.625%
HK$120,193
+HK$6,894/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,598/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,606
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,787
−HK$3,227/mo
Today · 4.125%
HK$125,014
baseline
▲ 0.50% · 4.625%
HK$131,604
+HK$6,590/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,028/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,937 · Scale 2, in force from 26 Feb 2026)