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$59,252
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,095
−HK$1,873/mo
Today · 4.125%
HK$62,968
baseline
▲ 0.50% · 4.625%
HK$66,799
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,936/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,917
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,685
−HK$1,794/mo
Today · 4.125%
HK$69,479
baseline
▲ 0.50% · 4.625%
HK$73,141
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,958/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,103
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,314
−HK$2,247/mo
Today · 4.125%
HK$75,561
baseline
▲ 0.50% · 4.625%
HK$80,159
+HK$4,598/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,122/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,101
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,222
−HK$2,153/mo
Today · 4.125%
HK$83,375
baseline
▲ 0.50% · 4.625%
HK$87,769
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,750/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,953
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,533
−HK$2,622/mo
Today · 4.125%
HK$88,155
baseline
▲ 0.50% · 4.625%
HK$93,519
+HK$5,364/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,310/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,284
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,760
−HK$2,510/mo
Today · 4.125%
HK$97,270
baseline
▲ 0.50% · 4.625%
HK$102,398
+HK$5,128/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,540/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,654
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,972
−HK$3,370/mo
Today · 4.125%
HK$113,342
baseline
▲ 0.50% · 4.625%
HK$120,239
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,684/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,651
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,834
−HK$3,228/mo
Today · 4.125%
HK$125,062
baseline
▲ 0.50% · 4.625%
HK$131,654
+HK$6,592/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,124/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,358 · Scale 2, in force from 26 Feb 2026)