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$58,855
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,686
−HK$1,860/mo
Today · 4.125%
HK$62,546
baseline
▲ 0.50% · 4.625%
HK$66,352
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,092/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,476
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,232
−HK$1,781/mo
Today · 4.125%
HK$69,013
baseline
▲ 0.50% · 4.625%
HK$72,651
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,026/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,626
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,823
−HK$2,232/mo
Today · 4.125%
HK$75,055
baseline
▲ 0.50% · 4.625%
HK$79,622
+HK$4,567/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,110/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,571
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,678
−HK$2,138/mo
Today · 4.125%
HK$82,816
baseline
▲ 0.50% · 4.625%
HK$87,181
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,632/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,397
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,960
−HK$2,604/mo
Today · 4.125%
HK$87,564
baseline
▲ 0.50% · 4.625%
HK$92,893
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,128/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,666
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,125
−HK$2,494/mo
Today · 4.125%
HK$96,619
baseline
▲ 0.50% · 4.625%
HK$101,712
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,238/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,939
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,235
−HK$3,348/mo
Today · 4.125%
HK$112,583
baseline
▲ 0.50% · 4.625%
HK$119,433
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,166/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,857
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,017
−HK$3,207/mo
Today · 4.125%
HK$124,224
baseline
▲ 0.50% · 4.625%
HK$130,772
+HK$6,548/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,448/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,960 · Scale 2, in force from 26 Feb 2026)