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$59,149
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,988
−HK$1,870/mo
Today · 4.125%
HK$62,858
baseline
▲ 0.50% · 4.625%
HK$66,682
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,716/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,802
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,567
−HK$1,790/mo
Today · 4.125%
HK$69,357
baseline
▲ 0.50% · 4.625%
HK$73,013
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,714/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,978
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,186
−HK$2,243/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$80,019
+HK$4,590/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,963
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,080
−HK$2,149/mo
Today · 4.125%
HK$83,229
baseline
▲ 0.50% · 4.625%
HK$87,616
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$166,458/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,384
−HK$2,617/mo
Today · 4.125%
HK$88,001
baseline
▲ 0.50% · 4.625%
HK$93,355
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,002/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,594
−HK$2,506/mo
Today · 4.125%
HK$97,100
baseline
▲ 0.50% · 4.625%
HK$102,218
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,200/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,467
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,779
−HK$3,365/mo
Today · 4.125%
HK$113,144
baseline
▲ 0.50% · 4.625%
HK$120,028
+HK$6,884/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,288/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,444
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,621
−HK$3,222/mo
Today · 4.125%
HK$124,843
baseline
▲ 0.50% · 4.625%
HK$131,424
+HK$6,581/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,686/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,426 · Scale 2, in force from 26 Feb 2026)