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$59,040
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,877
−HK$1,866/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,560
+HK$3,817/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,682
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,443
−HK$1,787/mo
Today · 4.125%
HK$69,230
baseline
▲ 0.50% · 4.625%
HK$72,880
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,460/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,848
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,052
−HK$2,239/mo
Today · 4.125%
HK$75,291
baseline
▲ 0.50% · 4.625%
HK$79,873
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,582/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,818
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,932
−HK$2,144/mo
Today · 4.125%
HK$83,076
baseline
▲ 0.50% · 4.625%
HK$87,456
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,152/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,657
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,228
−HK$2,612/mo
Today · 4.125%
HK$87,840
baseline
▲ 0.50% · 4.625%
HK$93,185
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,680/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,955
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,421
−HK$2,502/mo
Today · 4.125%
HK$96,923
baseline
▲ 0.50% · 4.625%
HK$102,031
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,846/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,273
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,578
−HK$3,359/mo
Today · 4.125%
HK$112,937
baseline
▲ 0.50% · 4.625%
HK$119,809
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,874/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,227
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,398
−HK$3,217/mo
Today · 4.125%
HK$124,615
baseline
▲ 0.50% · 4.625%
HK$131,183
+HK$6,568/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,230/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,410 · Scale 2, in force from 26 Feb 2026)