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$58,883
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,861/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$1,782/mo
Today · 4.125%
HK$69,046
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,092/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,660
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$2,233/mo
Today · 4.125%
HK$75,091
baseline
▲ 0.50% · 4.625%
HK$79,660
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,182/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,609
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,717
−HK$2,139/mo
Today · 4.125%
HK$82,856
baseline
▲ 0.50% · 4.625%
HK$87,223
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,712/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,437
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$85,001
−HK$2,605/mo
Today · 4.125%
HK$87,606
baseline
▲ 0.50% · 4.625%
HK$92,937
+HK$5,331/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,212/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,710
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,170
−HK$2,495/mo
Today · 4.125%
HK$96,665
baseline
▲ 0.50% · 4.625%
HK$101,760
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,330/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,990
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,287
−HK$3,350/mo
Today · 4.125%
HK$112,637
baseline
▲ 0.50% · 4.625%
HK$119,490
+HK$6,853/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,274/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,913
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,075
−HK$3,208/mo
Today · 4.125%
HK$124,283
baseline
▲ 0.50% · 4.625%
HK$130,835
+HK$6,552/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,566/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,484 · Scale 2, in force from 26 Feb 2026)