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$58,941
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,862/mo
Today · 4.125%
HK$62,637
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,812/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,274/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,571
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,330
−HK$1,784/mo
Today · 4.125%
HK$69,114
baseline
▲ 0.50% · 4.625%
HK$72,757
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,228/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,729
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,929
−HK$2,236/mo
Today · 4.125%
HK$75,165
baseline
▲ 0.50% · 4.625%
HK$79,738
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,330/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,686
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,796
−HK$2,141/mo
Today · 4.125%
HK$82,937
baseline
▲ 0.50% · 4.625%
HK$87,309
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,874/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,518
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,084
−HK$2,608/mo
Today · 4.125%
HK$87,692
baseline
▲ 0.50% · 4.625%
HK$93,028
+HK$5,336/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,384/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,800
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,262
−HK$2,498/mo
Today · 4.125%
HK$96,760
baseline
▲ 0.50% · 4.625%
HK$101,860
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,520/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,094
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,394
−HK$3,353/mo
Today · 4.125%
HK$112,747
baseline
▲ 0.50% · 4.625%
HK$119,607
+HK$6,860/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,494/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,029
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,194
−HK$3,211/mo
Today · 4.125%
HK$124,405
baseline
▲ 0.50% · 4.625%
HK$130,963
+HK$6,558/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,810/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,560 · Scale 2, in force from 26 Feb 2026)