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$58,806
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,636
−HK$1,858/mo
Today · 4.125%
HK$62,494
baseline
▲ 0.50% · 4.625%
HK$66,297
+HK$3,803/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,988/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,176
−HK$1,780/mo
Today · 4.125%
HK$68,956
baseline
▲ 0.50% · 4.625%
HK$72,591
+HK$3,635/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,912/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,568
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,763
−HK$2,230/mo
Today · 4.125%
HK$74,993
baseline
▲ 0.50% · 4.625%
HK$79,556
+HK$4,563/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$149,986/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,506
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,611
−HK$2,136/mo
Today · 4.125%
HK$82,747
baseline
▲ 0.50% · 4.625%
HK$87,109
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$165,494/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,329
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,890
−HK$2,602/mo
Today · 4.125%
HK$87,492
baseline
▲ 0.50% · 4.625%
HK$92,815
+HK$5,323/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,984/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,590
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,046
−HK$2,492/mo
Today · 4.125%
HK$96,538
baseline
▲ 0.50% · 4.625%
HK$101,627
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,076/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,851
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,144
−HK$3,345/mo
Today · 4.125%
HK$112,489
baseline
▲ 0.50% · 4.625%
HK$119,334
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,978/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,759
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,917
−HK$3,204/mo
Today · 4.125%
HK$124,121
baseline
▲ 0.50% · 4.625%
HK$130,663
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,242/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,096,048 · Scale 2, in force from 26 Feb 2026)