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$59,221
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,063
−HK$1,872/mo
Today · 4.125%
HK$62,935
baseline
▲ 0.50% · 4.625%
HK$66,764
+HK$3,829/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,870/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,883
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,650
−HK$1,792/mo
Today · 4.125%
HK$69,442
baseline
▲ 0.50% · 4.625%
HK$73,102
+HK$3,660/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,884/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,065
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,276
−HK$2,245/mo
Today · 4.125%
HK$75,521
baseline
▲ 0.50% · 4.625%
HK$80,117
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,042/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,059
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,179
−HK$2,151/mo
Today · 4.125%
HK$83,330
baseline
▲ 0.50% · 4.625%
HK$87,723
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,660/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,909
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,488
−HK$2,620/mo
Today · 4.125%
HK$88,108
baseline
▲ 0.50% · 4.625%
HK$93,470
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,216/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,236
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,709
−HK$2,510/mo
Today · 4.125%
HK$97,219
baseline
▲ 0.50% · 4.625%
HK$102,343
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,438/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,598
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,913
−HK$3,369/mo
Today · 4.125%
HK$113,282
baseline
▲ 0.50% · 4.625%
HK$120,175
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,564/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,589
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,769
−HK$3,227/mo
Today · 4.125%
HK$124,996
baseline
▲ 0.50% · 4.625%
HK$131,584
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,992/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,774 · Scale 2, in force from 26 Feb 2026)