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$59,179
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,020
−HK$1,870/mo
Today · 4.125%
HK$62,890
baseline
▲ 0.50% · 4.625%
HK$66,717
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,780/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,836
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,602
−HK$1,791/mo
Today · 4.125%
HK$69,393
baseline
▲ 0.50% · 4.625%
HK$73,051
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,786/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,015
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,224
−HK$2,244/mo
Today · 4.125%
HK$75,468
baseline
▲ 0.50% · 4.625%
HK$80,060
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,936/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,003
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,122
−HK$2,150/mo
Today · 4.125%
HK$83,272
baseline
▲ 0.50% · 4.625%
HK$87,661
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,544/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,851
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,428
−HK$2,618/mo
Today · 4.125%
HK$88,046
baseline
▲ 0.50% · 4.625%
HK$93,404
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,092/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,171
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,643
−HK$2,507/mo
Today · 4.125%
HK$97,150
baseline
▲ 0.50% · 4.625%
HK$102,271
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,300/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,522
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,836
−HK$3,366/mo
Today · 4.125%
HK$113,202
baseline
▲ 0.50% · 4.625%
HK$120,090
+HK$6,888/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,404/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,505
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,683
−HK$3,225/mo
Today · 4.125%
HK$124,908
baseline
▲ 0.50% · 4.625%
HK$131,492
+HK$6,584/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,816/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,996 · Scale 2, in force from 26 Feb 2026)