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$59,209
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,050
−HK$1,872/mo
Today · 4.125%
HK$62,922
baseline
▲ 0.50% · 4.625%
HK$66,750
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,844/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,869
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,636
−HK$1,792/mo
Today · 4.125%
HK$69,428
baseline
▲ 0.50% · 4.625%
HK$73,087
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,856/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,050
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,261
−HK$2,245/mo
Today · 4.125%
HK$75,506
baseline
▲ 0.50% · 4.625%
HK$80,100
+HK$4,594/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,012/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,043
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,163
−HK$2,150/mo
Today · 4.125%
HK$83,313
baseline
▲ 0.50% · 4.625%
HK$87,705
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,626/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,892
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,471
−HK$2,619/mo
Today · 4.125%
HK$88,090
baseline
▲ 0.50% · 4.625%
HK$93,450
+HK$5,360/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,180/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,217
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,690
−HK$2,509/mo
Today · 4.125%
HK$97,199
baseline
▲ 0.50% · 4.625%
HK$102,322
+HK$5,123/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,398/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,576
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,891
−HK$3,368/mo
Today · 4.125%
HK$113,259
baseline
▲ 0.50% · 4.625%
HK$120,151
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,518/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,564
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,744
−HK$3,226/mo
Today · 4.125%
HK$124,970
baseline
▲ 0.50% · 4.625%
HK$131,557
+HK$6,587/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,940/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,548 · Scale 2, in force from 26 Feb 2026)