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$58,827
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,657
−HK$1,859/mo
Today · 4.125%
HK$62,516
baseline
▲ 0.50% · 4.625%
HK$66,320
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,032/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,444
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$1,781/mo
Today · 4.125%
HK$68,980
baseline
▲ 0.50% · 4.625%
HK$72,616
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,960/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,592
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,788
−HK$2,231/mo
Today · 4.125%
HK$75,019
baseline
▲ 0.50% · 4.625%
HK$79,583
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,038/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,533
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,639
−HK$2,137/mo
Today · 4.125%
HK$82,776
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,552/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,357
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,919
−HK$2,603/mo
Today · 4.125%
HK$87,522
baseline
▲ 0.50% · 4.625%
HK$92,847
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,044/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,622
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,079
−HK$2,493/mo
Today · 4.125%
HK$96,572
baseline
▲ 0.50% · 4.625%
HK$101,662
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,144/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,888
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,182
−HK$3,346/mo
Today · 4.125%
HK$112,528
baseline
▲ 0.50% · 4.625%
HK$119,375
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,056/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,799
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,959
−HK$3,205/mo
Today · 4.125%
HK$124,164
baseline
▲ 0.50% · 4.625%
HK$130,709
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,328/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,427 · Scale 2, in force from 26 Feb 2026)