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$59,112
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,951
−HK$1,868/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,641
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,761
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,525
−HK$1,789/mo
Today · 4.125%
HK$69,314
baseline
▲ 0.50% · 4.625%
HK$72,968
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,628/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,934
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,141
−HK$2,242/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,969
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,914
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,030
−HK$2,147/mo
Today · 4.125%
HK$83,177
baseline
▲ 0.50% · 4.625%
HK$87,562
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,354/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,757
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,331
−HK$2,615/mo
Today · 4.125%
HK$87,946
baseline
▲ 0.50% · 4.625%
HK$93,298
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,892/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,066
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,535
−HK$2,505/mo
Today · 4.125%
HK$97,040
baseline
▲ 0.50% · 4.625%
HK$102,155
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,080/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,401
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,711
−HK$3,363/mo
Today · 4.125%
HK$113,074
baseline
▲ 0.50% · 4.625%
HK$119,954
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,148/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,371
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,545
−HK$3,221/mo
Today · 4.125%
HK$124,766
baseline
▲ 0.50% · 4.625%
HK$131,342
+HK$6,576/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,532/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,744 · Scale 2, in force from 26 Feb 2026)