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$58,898
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,730
−HK$1,861/mo
Today · 4.125%
HK$62,591
baseline
▲ 0.50% · 4.625%
HK$66,400
+HK$3,809/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,182/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,523
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,281
−HK$1,782/mo
Today · 4.125%
HK$69,063
baseline
▲ 0.50% · 4.625%
HK$72,704
+HK$3,641/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,126/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,677
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,876
−HK$2,233/mo
Today · 4.125%
HK$75,109
baseline
▲ 0.50% · 4.625%
HK$79,680
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,218/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,628
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,737
−HK$2,139/mo
Today · 4.125%
HK$82,876
baseline
▲ 0.50% · 4.625%
HK$87,244
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,752/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,457
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,022
−HK$2,606/mo
Today · 4.125%
HK$87,628
baseline
▲ 0.50% · 4.625%
HK$92,960
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,256/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,732
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,193
−HK$2,496/mo
Today · 4.125%
HK$96,689
baseline
▲ 0.50% · 4.625%
HK$101,785
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,378/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,016
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,314
−HK$3,350/mo
Today · 4.125%
HK$112,664
baseline
▲ 0.50% · 4.625%
HK$119,520
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,328/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,942
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,105
−HK$3,209/mo
Today · 4.125%
HK$124,314
baseline
▲ 0.50% · 4.625%
HK$130,867
+HK$6,553/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,628/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,753 · Scale 2, in force from 26 Feb 2026)