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$59,261
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,104
−HK$1,873/mo
Today · 4.125%
HK$62,977
baseline
▲ 0.50% · 4.625%
HK$66,809
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,954/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,927
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,695
−HK$1,794/mo
Today · 4.125%
HK$69,489
baseline
▲ 0.50% · 4.625%
HK$73,152
+HK$3,663/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,978/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,113
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,325
−HK$2,248/mo
Today · 4.125%
HK$75,573
baseline
▲ 0.50% · 4.625%
HK$80,171
+HK$4,598/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$151,146/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,113
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,235
−HK$2,152/mo
Today · 4.125%
HK$83,387
baseline
▲ 0.50% · 4.625%
HK$87,782
+HK$4,395/mo
Deposit HK$10.40M · loan HK$15.59M · min. income ≈ HK$166,774/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,965
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,546
−HK$2,622/mo
Today · 4.125%
HK$88,168
baseline
▲ 0.50% · 4.625%
HK$93,533
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,336/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,298
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,774
−HK$2,511/mo
Today · 4.125%
HK$97,285
baseline
▲ 0.50% · 4.625%
HK$102,413
+HK$5,128/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,570/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,670
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,988
−HK$3,371/mo
Today · 4.125%
HK$113,359
baseline
▲ 0.50% · 4.625%
HK$120,257
+HK$6,898/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,718/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,669
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,852
−HK$3,229/mo
Today · 4.125%
HK$125,081
baseline
▲ 0.50% · 4.625%
HK$131,674
+HK$6,593/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,162/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,523 · Scale 2, in force from 26 Feb 2026)