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$59,042
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,879
−HK$1,866/mo
Today · 4.125%
HK$62,745
baseline
▲ 0.50% · 4.625%
HK$66,563
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,490/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,684
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$1,787/mo
Today · 4.125%
HK$69,233
baseline
▲ 0.50% · 4.625%
HK$72,882
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,466/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,851
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,055
−HK$2,239/mo
Today · 4.125%
HK$75,294
baseline
▲ 0.50% · 4.625%
HK$79,875
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,588/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,821
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,935
−HK$2,144/mo
Today · 4.125%
HK$83,079
baseline
▲ 0.50% · 4.625%
HK$87,458
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,158/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,659
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,230
−HK$2,613/mo
Today · 4.125%
HK$87,843
baseline
▲ 0.50% · 4.625%
HK$93,188
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,686/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,958
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,424
−HK$2,502/mo
Today · 4.125%
HK$96,926
baseline
▲ 0.50% · 4.625%
HK$102,035
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,852/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,276
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,582
−HK$3,359/mo
Today · 4.125%
HK$112,941
baseline
▲ 0.50% · 4.625%
HK$119,813
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,882/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,231
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,402
−HK$3,217/mo
Today · 4.125%
HK$124,619
baseline
▲ 0.50% · 4.625%
HK$131,188
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,238/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,446 · Scale 2, in force from 26 Feb 2026)