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$59,225
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,067
−HK$1,872/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,829/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,887
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,654
−HK$1,793/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,107
+HK$3,660/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,070
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,281
−HK$2,246/mo
Today · 4.125%
HK$75,527
baseline
▲ 0.50% · 4.625%
HK$80,122
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,054/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,064
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,185
−HK$2,151/mo
Today · 4.125%
HK$83,336
baseline
▲ 0.50% · 4.625%
HK$87,729
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,672/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,915
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,494
−HK$2,620/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$93,476
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,242
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,716
−HK$2,509/mo
Today · 4.125%
HK$97,225
baseline
▲ 0.50% · 4.625%
HK$102,350
+HK$5,125/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,450/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,605
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,921
−HK$3,369/mo
Today · 4.125%
HK$113,290
baseline
▲ 0.50% · 4.625%
HK$120,183
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,580/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,597
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,777
−HK$3,227/mo
Today · 4.125%
HK$125,004
baseline
▲ 0.50% · 4.625%
HK$131,593
+HK$6,589/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,008/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,849 · Scale 2, in force from 26 Feb 2026)