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$59,335
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,181
−HK$1,875/mo
Today · 4.125%
HK$63,056
baseline
▲ 0.50% · 4.625%
HK$66,893
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,112/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,010
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,780
−HK$1,796/mo
Today · 4.125%
HK$69,576
baseline
▲ 0.50% · 4.625%
HK$73,243
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,152/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,202
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,417
−HK$2,250/mo
Today · 4.125%
HK$75,667
baseline
▲ 0.50% · 4.625%
HK$80,271
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,334/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,212
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,336
−HK$2,155/mo
Today · 4.125%
HK$83,491
baseline
▲ 0.50% · 4.625%
HK$87,892
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,982/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,069
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,653
−HK$2,625/mo
Today · 4.125%
HK$88,278
baseline
▲ 0.50% · 4.625%
HK$93,650
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$176,556/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,414
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,892
−HK$2,514/mo
Today · 4.125%
HK$97,406
baseline
▲ 0.50% · 4.625%
HK$102,541
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$194,812/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,803
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,125
−HK$3,376/mo
Today · 4.125%
HK$113,501
baseline
▲ 0.50% · 4.625%
HK$120,407
+HK$6,906/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,002/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,817
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,004
−HK$3,233/mo
Today · 4.125%
HK$125,237
baseline
▲ 0.50% · 4.625%
HK$131,838
+HK$6,601/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,474/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,903 · Scale 2, in force from 26 Feb 2026)