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$59,057
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,894
−HK$1,866/mo
Today · 4.125%
HK$62,760
baseline
▲ 0.50% · 4.625%
HK$66,579
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,520/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,700
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,462
−HK$1,788/mo
Today · 4.125%
HK$69,250
baseline
▲ 0.50% · 4.625%
HK$72,900
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,500/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,868
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,073
−HK$2,239/mo
Today · 4.125%
HK$75,312
baseline
▲ 0.50% · 4.625%
HK$79,895
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,624/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,840
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,955
−HK$2,145/mo
Today · 4.125%
HK$83,100
baseline
▲ 0.50% · 4.625%
HK$87,480
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,200/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,680
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,251
−HK$2,613/mo
Today · 4.125%
HK$87,864
baseline
▲ 0.50% · 4.625%
HK$93,211
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,728/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,980
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,447
−HK$2,503/mo
Today · 4.125%
HK$96,950
baseline
▲ 0.50% · 4.625%
HK$102,060
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,900/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,302
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,609
−HK$3,359/mo
Today · 4.125%
HK$112,968
baseline
▲ 0.50% · 4.625%
HK$119,842
+HK$6,874/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,936/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,260
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,432
−HK$3,217/mo
Today · 4.125%
HK$124,649
baseline
▲ 0.50% · 4.625%
HK$131,220
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,298/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,717 · Scale 2, in force from 26 Feb 2026)