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$59,126
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,965
−HK$1,869/mo
Today · 4.125%
HK$62,834
baseline
▲ 0.50% · 4.625%
HK$66,657
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,668/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,777
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,541
−HK$1,790/mo
Today · 4.125%
HK$69,331
baseline
▲ 0.50% · 4.625%
HK$72,986
+HK$3,655/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,662/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,951
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,158
−HK$2,243/mo
Today · 4.125%
HK$75,401
baseline
▲ 0.50% · 4.625%
HK$79,989
+HK$4,588/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,802/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,933
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,050
−HK$2,147/mo
Today · 4.125%
HK$83,197
baseline
▲ 0.50% · 4.625%
HK$87,583
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,394/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,777
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,351
−HK$2,616/mo
Today · 4.125%
HK$87,967
baseline
▲ 0.50% · 4.625%
HK$93,320
+HK$5,353/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,934/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,088
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,558
−HK$2,505/mo
Today · 4.125%
HK$97,063
baseline
▲ 0.50% · 4.625%
HK$102,180
+HK$5,117/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,126/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,427
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,738
−HK$3,363/mo
Today · 4.125%
HK$113,101
baseline
▲ 0.50% · 4.625%
HK$119,983
+HK$6,882/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,202/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,399
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,574
−HK$3,222/mo
Today · 4.125%
HK$124,796
baseline
▲ 0.50% · 4.625%
HK$131,374
+HK$6,578/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,592/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,102,009 · Scale 2, in force from 26 Feb 2026)