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$58,988
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,823
−HK$1,864/mo
Today · 4.125%
HK$62,687
baseline
▲ 0.50% · 4.625%
HK$66,502
+HK$3,815/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,374/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,624
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,384
−HK$1,785/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$72,815
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,786
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,988
−HK$2,237/mo
Today · 4.125%
HK$75,225
baseline
▲ 0.50% · 4.625%
HK$79,802
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,450/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,861
−HK$2,142/mo
Today · 4.125%
HK$83,003
baseline
▲ 0.50% · 4.625%
HK$87,378
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,006/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,584
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,152
−HK$2,610/mo
Today · 4.125%
HK$87,762
baseline
▲ 0.50% · 4.625%
HK$93,102
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,524/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,873
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,337
−HK$2,500/mo
Today · 4.125%
HK$96,837
baseline
▲ 0.50% · 4.625%
HK$101,941
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,674/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,179
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,482
−HK$3,355/mo
Today · 4.125%
HK$112,837
baseline
▲ 0.50% · 4.625%
HK$119,703
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,674/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,123
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,291
−HK$3,214/mo
Today · 4.125%
HK$124,505
baseline
▲ 0.50% · 4.625%
HK$131,068
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,010/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,439 · Scale 2, in force from 26 Feb 2026)