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$58,873
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,705
−HK$1,860/mo
Today · 4.125%
HK$62,565
baseline
▲ 0.50% · 4.625%
HK$66,372
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,130/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,496
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,252
−HK$1,782/mo
Today · 4.125%
HK$69,034
baseline
▲ 0.50% · 4.625%
HK$72,673
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,068/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,648
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,845
−HK$2,233/mo
Today · 4.125%
HK$75,078
baseline
▲ 0.50% · 4.625%
HK$79,646
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,156/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,595
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,138/mo
Today · 4.125%
HK$82,841
baseline
▲ 0.50% · 4.625%
HK$87,208
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,682/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,423
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,986
−HK$2,605/mo
Today · 4.125%
HK$87,591
baseline
▲ 0.50% · 4.625%
HK$92,921
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,182/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,694
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,153
−HK$2,495/mo
Today · 4.125%
HK$96,648
baseline
▲ 0.50% · 4.625%
HK$101,743
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,296/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,972
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,268
−HK$3,349/mo
Today · 4.125%
HK$112,617
baseline
▲ 0.50% · 4.625%
HK$119,470
+HK$6,853/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,234/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,893
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,054
−HK$3,208/mo
Today · 4.125%
HK$124,262
baseline
▲ 0.50% · 4.625%
HK$130,812
+HK$6,550/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,524/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,295 · Scale 2, in force from 26 Feb 2026)