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$59,154
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,994
−HK$1,870/mo
Today · 4.125%
HK$62,864
baseline
▲ 0.50% · 4.625%
HK$66,689
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,728/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,809
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,574
−HK$1,790/mo
Today · 4.125%
HK$69,364
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,728/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,985
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,193
−HK$2,244/mo
Today · 4.125%
HK$75,437
baseline
▲ 0.50% · 4.625%
HK$80,027
+HK$4,590/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,874/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,970
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,088
−HK$2,149/mo
Today · 4.125%
HK$83,237
baseline
▲ 0.50% · 4.625%
HK$87,624
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,474/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,816
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,392
−HK$2,617/mo
Today · 4.125%
HK$88,009
baseline
▲ 0.50% · 4.625%
HK$93,365
+HK$5,356/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,018/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,132
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,603
−HK$2,507/mo
Today · 4.125%
HK$97,110
baseline
▲ 0.50% · 4.625%
HK$102,228
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,220/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,478
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,790
−HK$3,365/mo
Today · 4.125%
HK$113,155
baseline
▲ 0.50% · 4.625%
HK$120,040
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,310/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,456
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,632
−HK$3,223/mo
Today · 4.125%
HK$124,855
baseline
▲ 0.50% · 4.625%
HK$131,437
+HK$6,582/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,710/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,534 · Scale 2, in force from 26 Feb 2026)