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$59,007
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,843
−HK$1,864/mo
Today · 4.125%
HK$62,707
baseline
▲ 0.50% · 4.625%
HK$66,523
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,414/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,405
−HK$1,786/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$72,839
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,808
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,011
−HK$2,238/mo
Today · 4.125%
HK$75,249
baseline
▲ 0.50% · 4.625%
HK$79,827
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,498/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,774
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,886
−HK$2,144/mo
Today · 4.125%
HK$83,030
baseline
▲ 0.50% · 4.625%
HK$87,406
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,060/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,610
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,180
−HK$2,610/mo
Today · 4.125%
HK$87,790
baseline
▲ 0.50% · 4.625%
HK$93,132
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,580/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,903
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,367
−HK$2,501/mo
Today · 4.125%
HK$96,868
baseline
▲ 0.50% · 4.625%
HK$101,974
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,736/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,213
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,517
−HK$3,356/mo
Today · 4.125%
HK$112,873
baseline
▲ 0.50% · 4.625%
HK$119,741
+HK$6,868/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,746/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,161
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,330
−HK$3,214/mo
Today · 4.125%
HK$124,544
baseline
▲ 0.50% · 4.625%
HK$131,109
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,088/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,789 · Scale 2, in force from 26 Feb 2026)