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$59,247
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,089
−HK$1,873/mo
Today · 4.125%
HK$62,962
baseline
▲ 0.50% · 4.625%
HK$66,793
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,924/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,911
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,679
−HK$1,793/mo
Today · 4.125%
HK$69,472
baseline
▲ 0.50% · 4.625%
HK$73,134
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,944/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,096
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,307
−HK$2,247/mo
Today · 4.125%
HK$75,554
baseline
▲ 0.50% · 4.625%
HK$80,151
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,108/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,093
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,215
−HK$2,152/mo
Today · 4.125%
HK$83,367
baseline
▲ 0.50% · 4.625%
HK$87,761
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,734/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,945
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,525
−HK$2,622/mo
Today · 4.125%
HK$88,147
baseline
▲ 0.50% · 4.625%
HK$93,510
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$176,294/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,276
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,750
−HK$2,511/mo
Today · 4.125%
HK$97,261
baseline
▲ 0.50% · 4.625%
HK$102,388
+HK$5,127/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$194,522/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,644
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,961
−HK$3,370/mo
Today · 4.125%
HK$113,331
baseline
▲ 0.50% · 4.625%
HK$120,227
+HK$6,896/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,662/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,640
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,822
−HK$3,228/mo
Today · 4.125%
HK$125,050
baseline
▲ 0.50% · 4.625%
HK$131,641
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,100/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,253 · Scale 2, in force from 26 Feb 2026)