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$58,987
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,822
−HK$1,864/mo
Today · 4.125%
HK$62,686
baseline
▲ 0.50% · 4.625%
HK$66,500
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,372/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,622
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,382
−HK$1,786/mo
Today · 4.125%
HK$69,168
baseline
▲ 0.50% · 4.625%
HK$72,813
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,336/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,784
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,986
−HK$2,237/mo
Today · 4.125%
HK$75,223
baseline
▲ 0.50% · 4.625%
HK$79,800
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,446/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,747
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,859
−HK$2,142/mo
Today · 4.125%
HK$83,001
baseline
▲ 0.50% · 4.625%
HK$87,376
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,002/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,581
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,150
−HK$2,610/mo
Today · 4.125%
HK$87,760
baseline
▲ 0.50% · 4.625%
HK$93,100
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,520/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,871
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,335
−HK$2,500/mo
Today · 4.125%
HK$96,835
baseline
▲ 0.50% · 4.625%
HK$101,939
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,670/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,176
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,479
−HK$3,355/mo
Today · 4.125%
HK$112,834
baseline
▲ 0.50% · 4.625%
HK$119,700
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,668/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,120
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,288
−HK$3,214/mo
Today · 4.125%
HK$124,502
baseline
▲ 0.50% · 4.625%
HK$131,064
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,004/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,410 · Scale 2, in force from 26 Feb 2026)