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$59,034
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,870
−HK$1,866/mo
Today · 4.125%
HK$62,736
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,817/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,472/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,675
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,436
−HK$1,787/mo
Today · 4.125%
HK$69,223
baseline
▲ 0.50% · 4.625%
HK$72,872
+HK$3,649/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,446/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,841
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,044
−HK$2,239/mo
Today · 4.125%
HK$75,283
baseline
▲ 0.50% · 4.625%
HK$79,864
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,566/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,810
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,923
−HK$2,145/mo
Today · 4.125%
HK$83,068
baseline
▲ 0.50% · 4.625%
HK$87,446
+HK$4,378/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,136/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,648
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,219
−HK$2,611/mo
Today · 4.125%
HK$87,830
baseline
▲ 0.50% · 4.625%
HK$93,175
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,660/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,945
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,411
−HK$2,501/mo
Today · 4.125%
HK$96,912
baseline
▲ 0.50% · 4.625%
HK$102,021
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,824/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,261
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,567
−HK$3,358/mo
Today · 4.125%
HK$112,925
baseline
▲ 0.50% · 4.625%
HK$119,796
+HK$6,871/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,850/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,215
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,385
−HK$3,216/mo
Today · 4.125%
HK$124,601
baseline
▲ 0.50% · 4.625%
HK$131,169
+HK$6,568/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,202/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,293 · Scale 2, in force from 26 Feb 2026)