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$58,889
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,721
−HK$1,861/mo
Today · 4.125%
HK$62,582
baseline
▲ 0.50% · 4.625%
HK$66,390
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,164/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,514
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,271
−HK$1,782/mo
Today · 4.125%
HK$69,053
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,106/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,667
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,865
−HK$2,234/mo
Today · 4.125%
HK$75,099
baseline
▲ 0.50% · 4.625%
HK$79,668
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,198/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,617
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,725
−HK$2,139/mo
Today · 4.125%
HK$82,864
baseline
▲ 0.50% · 4.625%
HK$87,232
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,728/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,445
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,010
−HK$2,605/mo
Today · 4.125%
HK$87,615
baseline
▲ 0.50% · 4.625%
HK$92,946
+HK$5,331/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,230/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,719
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,179
−HK$2,496/mo
Today · 4.125%
HK$96,675
baseline
▲ 0.50% · 4.625%
HK$101,771
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,350/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,001
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,298
−HK$3,350/mo
Today · 4.125%
HK$112,648
baseline
▲ 0.50% · 4.625%
HK$119,502
+HK$6,854/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,296/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,925
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,088
−HK$3,208/mo
Today · 4.125%
HK$124,296
baseline
▲ 0.50% · 4.625%
HK$130,848
+HK$6,552/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,592/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,595 · Scale 2, in force from 26 Feb 2026)