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$59,008
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,843
−HK$1,865/mo
Today · 4.125%
HK$62,708
baseline
▲ 0.50% · 4.625%
HK$66,524
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,416/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,406
−HK$1,786/mo
Today · 4.125%
HK$69,192
baseline
▲ 0.50% · 4.625%
HK$72,839
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,384/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,809
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,012
−HK$2,238/mo
Today · 4.125%
HK$75,250
baseline
▲ 0.50% · 4.625%
HK$79,828
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,500/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,775
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,887
−HK$2,144/mo
Today · 4.125%
HK$83,031
baseline
▲ 0.50% · 4.625%
HK$87,407
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,062/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,611
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,180
−HK$2,611/mo
Today · 4.125%
HK$87,791
baseline
▲ 0.50% · 4.625%
HK$93,133
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,582/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,904
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,368
−HK$2,501/mo
Today · 4.125%
HK$96,869
baseline
▲ 0.50% · 4.625%
HK$101,975
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,738/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,214
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,518
−HK$3,356/mo
Today · 4.125%
HK$112,874
baseline
▲ 0.50% · 4.625%
HK$119,743
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,748/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,162
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,331
−HK$3,215/mo
Today · 4.125%
HK$124,546
baseline
▲ 0.50% · 4.625%
HK$131,111
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,092/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,801 · Scale 2, in force from 26 Feb 2026)