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$59,067
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,904
−HK$1,867/mo
Today · 4.125%
HK$62,771
baseline
▲ 0.50% · 4.625%
HK$66,591
+HK$3,820/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,542/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,712
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,474
−HK$1,788/mo
Today · 4.125%
HK$69,262
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,524/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,881
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,085
−HK$2,240/mo
Today · 4.125%
HK$75,325
baseline
▲ 0.50% · 4.625%
HK$79,909
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,650/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,854
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,969
−HK$2,145/mo
Today · 4.125%
HK$83,114
baseline
▲ 0.50% · 4.625%
HK$87,495
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,228/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,694
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,266
−HK$2,614/mo
Today · 4.125%
HK$87,880
baseline
▲ 0.50% · 4.625%
HK$93,227
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,760/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,996
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,463
−HK$2,503/mo
Today · 4.125%
HK$96,966
baseline
▲ 0.50% · 4.625%
HK$102,078
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,932/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,321
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,628
−HK$3,360/mo
Today · 4.125%
HK$112,988
baseline
▲ 0.50% · 4.625%
HK$119,863
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,976/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,281
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,453
−HK$3,218/mo
Today · 4.125%
HK$124,671
baseline
▲ 0.50% · 4.625%
HK$131,243
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,342/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,908 · Scale 2, in force from 26 Feb 2026)