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$59,148
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,988
−HK$1,869/mo
Today · 4.125%
HK$62,857
baseline
▲ 0.50% · 4.625%
HK$66,682
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,714/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,802
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,567
−HK$1,790/mo
Today · 4.125%
HK$69,357
baseline
▲ 0.50% · 4.625%
HK$73,013
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,714/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,978
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,186
−HK$2,243/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$80,018
+HK$4,589/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,962
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,080
−HK$2,148/mo
Today · 4.125%
HK$83,228
baseline
▲ 0.50% · 4.625%
HK$87,615
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$166,456/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,383
−HK$2,617/mo
Today · 4.125%
HK$88,000
baseline
▲ 0.50% · 4.625%
HK$93,355
+HK$5,355/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,000/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,593
−HK$2,507/mo
Today · 4.125%
HK$97,100
baseline
▲ 0.50% · 4.625%
HK$102,218
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,200/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,467
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,779
−HK$3,364/mo
Today · 4.125%
HK$113,143
baseline
▲ 0.50% · 4.625%
HK$120,028
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,286/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,443
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,620
−HK$3,222/mo
Today · 4.125%
HK$124,842
baseline
▲ 0.50% · 4.625%
HK$131,423
+HK$6,581/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,684/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,420 · Scale 2, in force from 26 Feb 2026)