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$58,984
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,864/mo
Today · 4.125%
HK$62,683
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,366/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,620
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$1,786/mo
Today · 4.125%
HK$69,165
baseline
▲ 0.50% · 4.625%
HK$72,811
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,330/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,781
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,983
−HK$2,237/mo
Today · 4.125%
HK$75,220
baseline
▲ 0.50% · 4.625%
HK$79,797
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,440/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,743
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,855
−HK$2,143/mo
Today · 4.125%
HK$82,998
baseline
▲ 0.50% · 4.625%
HK$87,373
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,996/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,578
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,147
−HK$2,610/mo
Today · 4.125%
HK$87,757
baseline
▲ 0.50% · 4.625%
HK$93,096
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,514/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,867
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,331
−HK$2,500/mo
Today · 4.125%
HK$96,831
baseline
▲ 0.50% · 4.625%
HK$101,935
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,662/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,172
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,475
−HK$3,355/mo
Today · 4.125%
HK$112,830
baseline
▲ 0.50% · 4.625%
HK$119,695
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,660/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,115
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,283
−HK$3,214/mo
Today · 4.125%
HK$124,497
baseline
▲ 0.50% · 4.625%
HK$131,059
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,994/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,367 · Scale 2, in force from 26 Feb 2026)