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$58,883
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,714
−HK$1,861/mo
Today · 4.125%
HK$62,575
baseline
▲ 0.50% · 4.625%
HK$66,383
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,150/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,506
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,263
−HK$1,782/mo
Today · 4.125%
HK$69,045
baseline
▲ 0.50% · 4.625%
HK$72,685
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,090/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,659
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,857
−HK$2,233/mo
Today · 4.125%
HK$75,090
baseline
▲ 0.50% · 4.625%
HK$79,659
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,180/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,608
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,716
−HK$2,139/mo
Today · 4.125%
HK$82,855
baseline
▲ 0.50% · 4.625%
HK$87,222
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,710/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,436
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$85,000
−HK$2,605/mo
Today · 4.125%
HK$87,605
baseline
▲ 0.50% · 4.625%
HK$92,936
+HK$5,331/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,210/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,709
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,168
−HK$2,496/mo
Today · 4.125%
HK$96,664
baseline
▲ 0.50% · 4.625%
HK$101,759
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,328/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,989
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,286
−HK$3,349/mo
Today · 4.125%
HK$112,635
baseline
▲ 0.50% · 4.625%
HK$119,489
+HK$6,854/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,270/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,911
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,074
−HK$3,208/mo
Today · 4.125%
HK$124,282
baseline
▲ 0.50% · 4.625%
HK$130,833
+HK$6,551/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,564/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,470 · Scale 2, in force from 26 Feb 2026)