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$59,091
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,929
−HK$1,868/mo
Today · 4.125%
HK$62,797
baseline
▲ 0.50% · 4.625%
HK$66,618
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,594/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,738
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,502
−HK$1,788/mo
Today · 4.125%
HK$69,290
baseline
▲ 0.50% · 4.625%
HK$72,942
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,580/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,910
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,115
−HK$2,241/mo
Today · 4.125%
HK$75,356
baseline
▲ 0.50% · 4.625%
HK$79,941
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,712/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,886
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,002
−HK$2,146/mo
Today · 4.125%
HK$83,148
baseline
▲ 0.50% · 4.625%
HK$87,531
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,296/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,728
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,301
−HK$2,615/mo
Today · 4.125%
HK$87,916
baseline
▲ 0.50% · 4.625%
HK$93,265
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,832/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,034
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,502
−HK$2,504/mo
Today · 4.125%
HK$97,006
baseline
▲ 0.50% · 4.625%
HK$102,119
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,012/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,364
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,673
−HK$3,361/mo
Today · 4.125%
HK$113,034
baseline
▲ 0.50% · 4.625%
HK$119,912
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,068/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,329
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,503
−HK$3,219/mo
Today · 4.125%
HK$124,722
baseline
▲ 0.50% · 4.625%
HK$131,296
+HK$6,574/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,444/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,359 · Scale 2, in force from 26 Feb 2026)