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$59,238
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,080
−HK$1,872/mo
Today · 4.125%
HK$62,952
baseline
▲ 0.50% · 4.625%
HK$66,783
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,904/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,901
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,669
−HK$1,793/mo
Today · 4.125%
HK$69,462
baseline
▲ 0.50% · 4.625%
HK$73,123
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,924/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,085
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,296
−HK$2,247/mo
Today · 4.125%
HK$75,543
baseline
▲ 0.50% · 4.625%
HK$80,140
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,086/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,082
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,203
−HK$2,151/mo
Today · 4.125%
HK$83,354
baseline
▲ 0.50% · 4.625%
HK$87,748
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,708/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,933
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,512
−HK$2,621/mo
Today · 4.125%
HK$88,133
baseline
▲ 0.50% · 4.625%
HK$93,496
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,266/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,262
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,736
−HK$2,511/mo
Today · 4.125%
HK$97,247
baseline
▲ 0.50% · 4.625%
HK$102,373
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,494/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,628
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,945
−HK$3,369/mo
Today · 4.125%
HK$113,314
baseline
▲ 0.50% · 4.625%
HK$120,209
+HK$6,895/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,628/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,622
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,804
−HK$3,227/mo
Today · 4.125%
HK$125,031
baseline
▲ 0.50% · 4.625%
HK$131,622
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,062/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,088 · Scale 2, in force from 26 Feb 2026)