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$59,164
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,005
−HK$1,869/mo
Today · 4.125%
HK$62,874
baseline
▲ 0.50% · 4.625%
HK$66,700
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,748/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,820
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,585
−HK$1,791/mo
Today · 4.125%
HK$69,376
baseline
▲ 0.50% · 4.625%
HK$73,032
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,752/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,997
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,205
−HK$2,244/mo
Today · 4.125%
HK$75,449
baseline
▲ 0.50% · 4.625%
HK$80,040
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,898/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,983
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,102
−HK$2,149/mo
Today · 4.125%
HK$83,251
baseline
▲ 0.50% · 4.625%
HK$87,639
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,502/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,830
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,406
−HK$2,618/mo
Today · 4.125%
HK$88,024
baseline
▲ 0.50% · 4.625%
HK$93,380
+HK$5,356/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,048/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,147
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,619
−HK$2,507/mo
Today · 4.125%
HK$97,126
baseline
▲ 0.50% · 4.625%
HK$102,245
+HK$5,119/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,252/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,496
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,808
−HK$3,366/mo
Today · 4.125%
HK$113,174
baseline
▲ 0.50% · 4.625%
HK$120,060
+HK$6,886/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,348/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,475
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,653
−HK$3,223/mo
Today · 4.125%
HK$124,876
baseline
▲ 0.50% · 4.625%
HK$131,458
+HK$6,582/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,752/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,718 · Scale 2, in force from 26 Feb 2026)