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$59,190
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,031
−HK$1,870/mo
Today · 4.125%
HK$62,901
baseline
▲ 0.50% · 4.625%
HK$66,729
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,802/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,848
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,614
−HK$1,791/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,064
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,027
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,237
−HK$2,244/mo
Today · 4.125%
HK$75,481
baseline
▲ 0.50% · 4.625%
HK$80,074
+HK$4,593/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,962/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,017
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,137
−HK$2,149/mo
Today · 4.125%
HK$83,286
baseline
▲ 0.50% · 4.625%
HK$87,677
+HK$4,391/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,572/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,865
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,443
−HK$2,619/mo
Today · 4.125%
HK$88,062
baseline
▲ 0.50% · 4.625%
HK$93,420
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,124/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,187
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,659
−HK$2,508/mo
Today · 4.125%
HK$97,167
baseline
▲ 0.50% · 4.625%
HK$102,289
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,334/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,541
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,855
−HK$3,367/mo
Today · 4.125%
HK$113,222
baseline
▲ 0.50% · 4.625%
HK$120,112
+HK$6,890/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,444/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,526
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,705
−HK$3,225/mo
Today · 4.125%
HK$124,930
baseline
▲ 0.50% · 4.625%
HK$131,515
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,860/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,190 · Scale 2, in force from 26 Feb 2026)