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$59,178
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,019
−HK$1,870/mo
Today · 4.125%
HK$62,889
baseline
▲ 0.50% · 4.625%
HK$66,716
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,778/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,835
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,601
−HK$1,791/mo
Today · 4.125%
HK$69,392
baseline
▲ 0.50% · 4.625%
HK$73,050
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,784/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,014
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,223
−HK$2,244/mo
Today · 4.125%
HK$75,467
baseline
▲ 0.50% · 4.625%
HK$80,059
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,934/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,002
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,121
−HK$2,149/mo
Today · 4.125%
HK$83,270
baseline
▲ 0.50% · 4.625%
HK$87,659
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,540/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,849
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,426
−HK$2,619/mo
Today · 4.125%
HK$88,045
baseline
▲ 0.50% · 4.625%
HK$93,402
+HK$5,357/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,090/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,169
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,641
−HK$2,507/mo
Today · 4.125%
HK$97,148
baseline
▲ 0.50% · 4.625%
HK$102,269
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,296/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,520
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,834
−HK$3,366/mo
Today · 4.125%
HK$113,200
baseline
▲ 0.50% · 4.625%
HK$120,088
+HK$6,888/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,400/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,503
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,681
−HK$3,224/mo
Today · 4.125%
HK$124,905
baseline
▲ 0.50% · 4.625%
HK$131,489
+HK$6,584/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,810/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,975 · Scale 2, in force from 26 Feb 2026)