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$59,181
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,022
−HK$1,871/mo
Today · 4.125%
HK$62,893
baseline
▲ 0.50% · 4.625%
HK$66,719
+HK$3,826/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,786/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,839
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,604
−HK$1,792/mo
Today · 4.125%
HK$69,396
baseline
▲ 0.50% · 4.625%
HK$73,054
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,792/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,018
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,227
−HK$2,244/mo
Today · 4.125%
HK$75,471
baseline
▲ 0.50% · 4.625%
HK$80,063
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,942/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,006
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,125
−HK$2,150/mo
Today · 4.125%
HK$83,275
baseline
▲ 0.50% · 4.625%
HK$87,664
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,550/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,854
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,431
−HK$2,619/mo
Today · 4.125%
HK$88,050
baseline
▲ 0.50% · 4.625%
HK$93,407
+HK$5,357/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,100/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,174
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,646
−HK$2,508/mo
Today · 4.125%
HK$97,154
baseline
▲ 0.50% · 4.625%
HK$102,275
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,308/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,526
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,840
−HK$3,367/mo
Today · 4.125%
HK$113,207
baseline
▲ 0.50% · 4.625%
HK$120,095
+HK$6,888/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,414/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,510
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,688
−HK$3,224/mo
Today · 4.125%
HK$124,912
baseline
▲ 0.50% · 4.625%
HK$131,497
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,824/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,038 · Scale 2, in force from 26 Feb 2026)