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$59,027
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,863
−HK$1,865/mo
Today · 4.125%
HK$62,728
baseline
▲ 0.50% · 4.625%
HK$66,545
+HK$3,817/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,456/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,667
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,428
−HK$1,787/mo
Today · 4.125%
HK$69,215
baseline
▲ 0.50% · 4.625%
HK$72,863
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,430/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,832
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,036
−HK$2,238/mo
Today · 4.125%
HK$75,274
baseline
▲ 0.50% · 4.625%
HK$79,854
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,548/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,800
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,914
−HK$2,144/mo
Today · 4.125%
HK$83,058
baseline
▲ 0.50% · 4.625%
HK$87,436
+HK$4,378/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,116/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,638
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,208
−HK$2,612/mo
Today · 4.125%
HK$87,820
baseline
▲ 0.50% · 4.625%
HK$93,163
+HK$5,343/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,640/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,934
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,399
−HK$2,502/mo
Today · 4.125%
HK$96,901
baseline
▲ 0.50% · 4.625%
HK$102,008
+HK$5,107/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,802/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,249
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,553
−HK$3,358/mo
Today · 4.125%
HK$112,911
baseline
▲ 0.50% · 4.625%
HK$119,782
+HK$6,871/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,822/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,200
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,371
−HK$3,215/mo
Today · 4.125%
HK$124,586
baseline
▲ 0.50% · 4.625%
HK$131,154
+HK$6,568/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,172/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,160 · Scale 2, in force from 26 Feb 2026)