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$59,234
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,077
−HK$1,872/mo
Today · 4.125%
HK$62,949
baseline
▲ 0.50% · 4.625%
HK$66,779
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,898/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,898
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,665
−HK$1,793/mo
Today · 4.125%
HK$69,458
baseline
▲ 0.50% · 4.625%
HK$73,119
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,916/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,081
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,292
−HK$2,247/mo
Today · 4.125%
HK$75,539
baseline
▲ 0.50% · 4.625%
HK$80,135
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,078/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,077
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,152/mo
Today · 4.125%
HK$83,350
baseline
▲ 0.50% · 4.625%
HK$87,743
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,700/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,928
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,508
−HK$2,621/mo
Today · 4.125%
HK$88,129
baseline
▲ 0.50% · 4.625%
HK$93,491
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,258/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,257
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,731
−HK$2,510/mo
Today · 4.125%
HK$97,241
baseline
▲ 0.50% · 4.625%
HK$102,367
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,482/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,622
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,939
−HK$3,369/mo
Today · 4.125%
HK$113,308
baseline
▲ 0.50% · 4.625%
HK$120,203
+HK$6,895/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,616/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,616
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,797
−HK$3,227/mo
Today · 4.125%
HK$125,024
baseline
▲ 0.50% · 4.625%
HK$131,615
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,048/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,028 · Scale 2, in force from 26 Feb 2026)