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$58,960
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,794
−HK$1,863/mo
Today · 4.125%
HK$62,657
baseline
▲ 0.50% · 4.625%
HK$66,470
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,314/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,592
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,352
−HK$1,784/mo
Today · 4.125%
HK$69,136
baseline
▲ 0.50% · 4.625%
HK$72,781
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,272/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,752
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,953
−HK$2,236/mo
Today · 4.125%
HK$75,189
baseline
▲ 0.50% · 4.625%
HK$79,764
+HK$4,575/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,378/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,711
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,822
−HK$2,142/mo
Today · 4.125%
HK$82,964
baseline
▲ 0.50% · 4.625%
HK$87,337
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,928/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,544
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,112
−HK$2,608/mo
Today · 4.125%
HK$87,720
baseline
▲ 0.50% · 4.625%
HK$93,058
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,440/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,829
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,292
−HK$2,499/mo
Today · 4.125%
HK$96,791
baseline
▲ 0.50% · 4.625%
HK$101,893
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,582/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,128
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,429
−HK$3,354/mo
Today · 4.125%
HK$112,783
baseline
▲ 0.50% · 4.625%
HK$119,646
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,566/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,066
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,233
−HK$3,212/mo
Today · 4.125%
HK$124,445
baseline
▲ 0.50% · 4.625%
HK$131,005
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,890/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,913 · Scale 2, in force from 26 Feb 2026)