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$59,142
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,981
−HK$1,869/mo
Today · 4.125%
HK$62,850
baseline
▲ 0.50% · 4.625%
HK$66,675
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,700/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,794
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,559
−HK$1,790/mo
Today · 4.125%
HK$69,349
baseline
▲ 0.50% · 4.625%
HK$73,005
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,698/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,970
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,177
−HK$2,243/mo
Today · 4.125%
HK$75,420
baseline
▲ 0.50% · 4.625%
HK$80,009
+HK$4,589/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,840/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,953
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,071
−HK$2,148/mo
Today · 4.125%
HK$83,219
baseline
▲ 0.50% · 4.625%
HK$87,605
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,438/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,798
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,374
−HK$2,616/mo
Today · 4.125%
HK$87,990
baseline
▲ 0.50% · 4.625%
HK$93,344
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$175,980/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,112
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,583
−HK$2,506/mo
Today · 4.125%
HK$97,089
baseline
▲ 0.50% · 4.625%
HK$102,206
+HK$5,117/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,178/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,455
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,766
−HK$3,364/mo
Today · 4.125%
HK$113,130
baseline
▲ 0.50% · 4.625%
HK$120,014
+HK$6,884/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,260/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,430
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,606
−HK$3,222/mo
Today · 4.125%
HK$124,828
baseline
▲ 0.50% · 4.625%
HK$131,408
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,656/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,296 · Scale 2, in force from 26 Feb 2026)