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$59,228
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,071
−HK$1,871/mo
Today · 4.125%
HK$62,942
baseline
▲ 0.50% · 4.625%
HK$66,772
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,884/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,891
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,658
−HK$1,793/mo
Today · 4.125%
HK$69,451
baseline
▲ 0.50% · 4.625%
HK$73,112
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,902/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,074
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,285
−HK$2,246/mo
Today · 4.125%
HK$75,531
baseline
▲ 0.50% · 4.625%
HK$80,127
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,062/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,069
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,190
−HK$2,151/mo
Today · 4.125%
HK$83,341
baseline
▲ 0.50% · 4.625%
HK$87,734
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,682/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,920
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,499
−HK$2,620/mo
Today · 4.125%
HK$88,119
baseline
▲ 0.50% · 4.625%
HK$93,481
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,238/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,247
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,721
−HK$2,510/mo
Today · 4.125%
HK$97,231
baseline
▲ 0.50% · 4.625%
HK$102,356
+HK$5,125/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,462/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,611
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,927
−HK$3,369/mo
Today · 4.125%
HK$113,296
baseline
▲ 0.50% · 4.625%
HK$120,190
+HK$6,894/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,592/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,603
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,784
−HK$3,227/mo
Today · 4.125%
HK$125,011
baseline
▲ 0.50% · 4.625%
HK$131,601
+HK$6,590/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,022/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,911 · Scale 2, in force from 26 Feb 2026)