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$59,170
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,870/mo
Today · 4.125%
HK$62,881
baseline
▲ 0.50% · 4.625%
HK$66,707
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,762/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,826
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,592
−HK$1,791/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,040
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,766/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,004
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,213
−HK$2,244/mo
Today · 4.125%
HK$75,457
baseline
▲ 0.50% · 4.625%
HK$80,048
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,914/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,991
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,110
−HK$2,149/mo
Today · 4.125%
HK$83,259
baseline
▲ 0.50% · 4.625%
HK$87,648
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,518/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,838
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,415
−HK$2,618/mo
Today · 4.125%
HK$88,033
baseline
▲ 0.50% · 4.625%
HK$93,390
+HK$5,357/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,066/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,157
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,628
−HK$2,508/mo
Today · 4.125%
HK$97,136
baseline
▲ 0.50% · 4.625%
HK$102,256
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,272/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,506
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,819
−HK$3,366/mo
Today · 4.125%
HK$113,185
baseline
▲ 0.50% · 4.625%
HK$120,072
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,370/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,487
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,665
−HK$3,224/mo
Today · 4.125%
HK$124,889
baseline
▲ 0.50% · 4.625%
HK$131,472
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,778/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,829 · Scale 2, in force from 26 Feb 2026)