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$59,391
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,239
−HK$1,877/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,956
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,072
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,844
−HK$1,798/mo
Today · 4.125%
HK$69,642
baseline
▲ 0.50% · 4.625%
HK$73,313
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,284/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,269
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,486
−HK$2,253/mo
Today · 4.125%
HK$75,739
baseline
▲ 0.50% · 4.625%
HK$80,347
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,478/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,287
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,413
−HK$2,157/mo
Today · 4.125%
HK$83,570
baseline
▲ 0.50% · 4.625%
HK$87,975
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,140/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,148
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,734
−HK$2,628/mo
Today · 4.125%
HK$88,362
baseline
▲ 0.50% · 4.625%
HK$93,738
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,724/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,501
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,982
−HK$2,517/mo
Today · 4.125%
HK$97,499
baseline
▲ 0.50% · 4.625%
HK$102,638
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,998/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,904
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,230
−HK$3,378/mo
Today · 4.125%
HK$113,608
baseline
▲ 0.50% · 4.625%
HK$120,521
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,216/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,930
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,119
−HK$3,236/mo
Today · 4.125%
HK$125,355
baseline
▲ 0.50% · 4.625%
HK$131,963
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,710/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,949 · Scale 2, in force from 26 Feb 2026)