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$59,049
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,885
−HK$1,867/mo
Today · 4.125%
HK$62,752
baseline
▲ 0.50% · 4.625%
HK$66,570
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,504/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,691
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,453
−HK$1,787/mo
Today · 4.125%
HK$69,240
baseline
▲ 0.50% · 4.625%
HK$72,890
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,480/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,858
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,062
−HK$2,240/mo
Today · 4.125%
HK$75,302
baseline
▲ 0.50% · 4.625%
HK$79,884
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,604/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,829
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,943
−HK$2,145/mo
Today · 4.125%
HK$83,088
baseline
▲ 0.50% · 4.625%
HK$87,468
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,176/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,668
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,240
−HK$2,612/mo
Today · 4.125%
HK$87,852
baseline
▲ 0.50% · 4.625%
HK$93,198
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,704/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,967
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,434
−HK$2,502/mo
Today · 4.125%
HK$96,936
baseline
▲ 0.50% · 4.625%
HK$102,046
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,872/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,288
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,594
−HK$3,359/mo
Today · 4.125%
HK$112,953
baseline
▲ 0.50% · 4.625%
HK$119,826
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,906/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,244
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,415
−HK$3,217/mo
Today · 4.125%
HK$124,632
baseline
▲ 0.50% · 4.625%
HK$131,202
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,264/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,564 · Scale 2, in force from 26 Feb 2026)