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$59,187
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,028
−HK$1,871/mo
Today · 4.125%
HK$62,899
baseline
▲ 0.50% · 4.625%
HK$66,726
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,798/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,845
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,611
−HK$1,792/mo
Today · 4.125%
HK$69,403
baseline
▲ 0.50% · 4.625%
HK$73,061
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,806/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,025
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,234
−HK$2,245/mo
Today · 4.125%
HK$75,479
baseline
▲ 0.50% · 4.625%
HK$80,071
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,958/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,014
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,134
−HK$2,149/mo
Today · 4.125%
HK$83,283
baseline
▲ 0.50% · 4.625%
HK$87,673
+HK$4,390/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,566/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,862
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,440
−HK$2,619/mo
Today · 4.125%
HK$88,059
baseline
▲ 0.50% · 4.625%
HK$93,417
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,118/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,184
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,656
−HK$2,508/mo
Today · 4.125%
HK$97,164
baseline
▲ 0.50% · 4.625%
HK$102,286
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,328/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,537
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,851
−HK$3,367/mo
Today · 4.125%
HK$113,218
baseline
▲ 0.50% · 4.625%
HK$120,107
+HK$6,889/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,436/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,522
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,700
−HK$3,225/mo
Today · 4.125%
HK$124,925
baseline
▲ 0.50% · 4.625%
HK$131,510
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,850/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,150 · Scale 2, in force from 26 Feb 2026)