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$58,992
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,827
−HK$1,864/mo
Today · 4.125%
HK$62,691
baseline
▲ 0.50% · 4.625%
HK$66,506
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,382/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,628
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,388
−HK$1,786/mo
Today · 4.125%
HK$69,174
baseline
▲ 0.50% · 4.625%
HK$72,820
+HK$3,646/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,348/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,790
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$72,992
−HK$2,238/mo
Today · 4.125%
HK$75,230
baseline
▲ 0.50% · 4.625%
HK$79,807
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,460/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,754
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,866
−HK$2,142/mo
Today · 4.125%
HK$83,008
baseline
▲ 0.50% · 4.625%
HK$87,384
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,016/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,589
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,158
−HK$2,610/mo
Today · 4.125%
HK$87,768
baseline
▲ 0.50% · 4.625%
HK$93,108
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,536/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,879
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,343
−HK$2,500/mo
Today · 4.125%
HK$96,843
baseline
▲ 0.50% · 4.625%
HK$101,948
+HK$5,105/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,686/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,186
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,489
−HK$3,355/mo
Today · 4.125%
HK$112,844
baseline
▲ 0.50% · 4.625%
HK$119,711
+HK$6,867/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,688/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,131
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,299
−HK$3,214/mo
Today · 4.125%
HK$124,513
baseline
▲ 0.50% · 4.625%
HK$131,076
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,026/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,509 · Scale 2, in force from 26 Feb 2026)