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$59,088
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,926
−HK$1,867/mo
Today · 4.125%
HK$62,793
baseline
▲ 0.50% · 4.625%
HK$66,614
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,586/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,735
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,498
−HK$1,788/mo
Today · 4.125%
HK$69,286
baseline
▲ 0.50% · 4.625%
HK$72,938
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,572/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,905
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,111
−HK$2,241/mo
Today · 4.125%
HK$75,352
baseline
▲ 0.50% · 4.625%
HK$79,937
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,704/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,882
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,997
−HK$2,146/mo
Today · 4.125%
HK$83,143
baseline
▲ 0.50% · 4.625%
HK$87,526
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,286/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,723
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,296
−HK$2,615/mo
Today · 4.125%
HK$87,911
baseline
▲ 0.50% · 4.625%
HK$93,260
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,822/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,029
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,497
−HK$2,504/mo
Today · 4.125%
HK$97,001
baseline
▲ 0.50% · 4.625%
HK$102,114
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,002/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,358
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,667
−HK$3,361/mo
Today · 4.125%
HK$113,028
baseline
▲ 0.50% · 4.625%
HK$119,905
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,056/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,322
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,496
−HK$3,219/mo
Today · 4.125%
HK$124,715
baseline
▲ 0.50% · 4.625%
HK$131,289
+HK$6,574/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,430/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,296 · Scale 2, in force from 26 Feb 2026)