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$59,002
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,837
−HK$1,865/mo
Today · 4.125%
HK$62,702
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,404/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,639
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$1,786/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$72,832
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,802
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,004
−HK$2,238/mo
Today · 4.125%
HK$75,242
baseline
▲ 0.50% · 4.625%
HK$79,820
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,484/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,767
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,879
−HK$2,143/mo
Today · 4.125%
HK$83,022
baseline
▲ 0.50% · 4.625%
HK$87,398
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,044/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,603
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,172
−HK$2,610/mo
Today · 4.125%
HK$87,782
baseline
▲ 0.50% · 4.625%
HK$93,124
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,564/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,894
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,359
−HK$2,500/mo
Today · 4.125%
HK$96,859
baseline
▲ 0.50% · 4.625%
HK$101,965
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,718/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,203
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,507
−HK$3,356/mo
Today · 4.125%
HK$112,863
baseline
▲ 0.50% · 4.625%
HK$119,731
+HK$6,868/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,726/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,150
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,319
−HK$3,214/mo
Today · 4.125%
HK$124,533
baseline
▲ 0.50% · 4.625%
HK$131,098
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,066/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,691 · Scale 2, in force from 26 Feb 2026)