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$59,090
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,928
−HK$1,867/mo
Today · 4.125%
HK$62,795
baseline
▲ 0.50% · 4.625%
HK$66,616
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,590/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,737
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,500
−HK$1,788/mo
Today · 4.125%
HK$69,288
baseline
▲ 0.50% · 4.625%
HK$72,941
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,576/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,908
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,113
−HK$2,241/mo
Today · 4.125%
HK$75,354
baseline
▲ 0.50% · 4.625%
HK$79,939
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,708/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,884
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,000
−HK$2,146/mo
Today · 4.125%
HK$83,146
baseline
▲ 0.50% · 4.625%
HK$87,529
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,292/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,726
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,299
−HK$2,614/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$93,263
+HK$5,350/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,031
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,500
−HK$2,504/mo
Today · 4.125%
HK$97,004
baseline
▲ 0.50% · 4.625%
HK$102,117
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,008/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,361
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,670
−HK$3,361/mo
Today · 4.125%
HK$113,031
baseline
▲ 0.50% · 4.625%
HK$119,909
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,062/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,326
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,500
−HK$3,219/mo
Today · 4.125%
HK$124,719
baseline
▲ 0.50% · 4.625%
HK$131,293
+HK$6,574/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,438/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,330 · Scale 2, in force from 26 Feb 2026)