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$59,248
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,091
−HK$1,872/mo
Today · 4.125%
HK$62,963
baseline
▲ 0.50% · 4.625%
HK$66,794
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,926/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,913
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,680
−HK$1,794/mo
Today · 4.125%
HK$69,474
baseline
▲ 0.50% · 4.625%
HK$73,136
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,948/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,098
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,309
−HK$2,247/mo
Today · 4.125%
HK$75,556
baseline
▲ 0.50% · 4.625%
HK$80,153
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,112/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,095
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,217
−HK$2,152/mo
Today · 4.125%
HK$83,369
baseline
▲ 0.50% · 4.625%
HK$87,763
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,738/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,947
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,527
−HK$2,622/mo
Today · 4.125%
HK$88,149
baseline
▲ 0.50% · 4.625%
HK$93,512
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$176,298/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,278
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,753
−HK$2,510/mo
Today · 4.125%
HK$97,263
baseline
▲ 0.50% · 4.625%
HK$102,390
+HK$5,127/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$194,526/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,646
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,964
−HK$3,370/mo
Today · 4.125%
HK$113,334
baseline
▲ 0.50% · 4.625%
HK$120,230
+HK$6,896/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,668/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,643
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,825
−HK$3,228/mo
Today · 4.125%
HK$125,053
baseline
▲ 0.50% · 4.625%
HK$131,645
+HK$6,592/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,106/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,278 · Scale 2, in force from 26 Feb 2026)