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$59,110
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,948
−HK$1,868/mo
Today · 4.125%
HK$62,816
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,632/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,759
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,522
−HK$1,789/mo
Today · 4.125%
HK$69,311
baseline
▲ 0.50% · 4.625%
HK$72,965
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,622/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,931
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,138
−HK$2,241/mo
Today · 4.125%
HK$75,379
baseline
▲ 0.50% · 4.625%
HK$79,966
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,758/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,910
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,027
−HK$2,147/mo
Today · 4.125%
HK$83,174
baseline
▲ 0.50% · 4.625%
HK$87,558
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,348/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,753
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,327
−HK$2,616/mo
Today · 4.125%
HK$87,943
baseline
▲ 0.50% · 4.625%
HK$93,294
+HK$5,351/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,886/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,062
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,531
−HK$2,505/mo
Today · 4.125%
HK$97,036
baseline
▲ 0.50% · 4.625%
HK$102,151
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,072/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,397
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,707
−HK$3,362/mo
Today · 4.125%
HK$113,069
baseline
▲ 0.50% · 4.625%
HK$119,949
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,138/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,366
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,540
−HK$3,221/mo
Today · 4.125%
HK$124,761
baseline
▲ 0.50% · 4.625%
HK$131,337
+HK$6,576/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,522/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,699 · Scale 2, in force from 26 Feb 2026)