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$58,837
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,667
−HK$1,860/mo
Today · 4.125%
HK$62,527
baseline
▲ 0.50% · 4.625%
HK$66,331
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,054/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,456
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,211
−HK$1,781/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$72,629
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,605
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,801
−HK$2,231/mo
Today · 4.125%
HK$75,032
baseline
▲ 0.50% · 4.625%
HK$79,598
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,064/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,547
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,654
−HK$2,137/mo
Today · 4.125%
HK$82,791
baseline
▲ 0.50% · 4.625%
HK$87,155
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,582/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,372
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,934
−HK$2,604/mo
Today · 4.125%
HK$87,538
baseline
▲ 0.50% · 4.625%
HK$92,864
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,076/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,638
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,096
−HK$2,493/mo
Today · 4.125%
HK$96,589
baseline
▲ 0.50% · 4.625%
HK$101,680
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,178/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,907
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,201
−HK$3,347/mo
Today · 4.125%
HK$112,548
baseline
▲ 0.50% · 4.625%
HK$119,397
+HK$6,849/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,096/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,821
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,980
−HK$3,206/mo
Today · 4.125%
HK$124,186
baseline
▲ 0.50% · 4.625%
HK$130,732
+HK$6,546/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,372/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,624 · Scale 2, in force from 26 Feb 2026)