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$59,076
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,914
−HK$1,867/mo
Today · 4.125%
HK$62,781
baseline
▲ 0.50% · 4.625%
HK$66,601
+HK$3,820/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,562/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,722
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,484
−HK$1,788/mo
Today · 4.125%
HK$69,272
baseline
▲ 0.50% · 4.625%
HK$72,924
+HK$3,652/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,544/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,891
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,097
−HK$2,240/mo
Today · 4.125%
HK$75,337
baseline
▲ 0.50% · 4.625%
HK$79,921
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,674/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,866
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,981
−HK$2,146/mo
Today · 4.125%
HK$83,127
baseline
▲ 0.50% · 4.625%
HK$87,509
+HK$4,382/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,254/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,707
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,279
−HK$2,614/mo
Today · 4.125%
HK$87,893
baseline
▲ 0.50% · 4.625%
HK$93,241
+HK$5,348/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,786/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,010
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,478
−HK$2,503/mo
Today · 4.125%
HK$96,981
baseline
▲ 0.50% · 4.625%
HK$102,093
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,962/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,337
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,645
−HK$3,360/mo
Today · 4.125%
HK$113,005
baseline
▲ 0.50% · 4.625%
HK$119,881
+HK$6,876/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,010/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,299
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,472
−HK$3,218/mo
Today · 4.125%
HK$124,690
baseline
▲ 0.50% · 4.625%
HK$131,263
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,380/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,077 · Scale 2, in force from 26 Feb 2026)