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$58,906
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,739
−HK$1,861/mo
Today · 4.125%
HK$62,600
baseline
▲ 0.50% · 4.625%
HK$66,409
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,200/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,533
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,290
−HK$1,783/mo
Today · 4.125%
HK$69,073
baseline
▲ 0.50% · 4.625%
HK$72,714
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,146/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,688
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,886
−HK$2,234/mo
Today · 4.125%
HK$75,120
baseline
▲ 0.50% · 4.625%
HK$79,691
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,240/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,639
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,748
−HK$2,140/mo
Today · 4.125%
HK$82,888
baseline
▲ 0.50% · 4.625%
HK$87,257
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,776/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,469
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,034
−HK$2,606/mo
Today · 4.125%
HK$87,640
baseline
▲ 0.50% · 4.625%
HK$92,973
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,280/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,746
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,206
−HK$2,497/mo
Today · 4.125%
HK$96,703
baseline
▲ 0.50% · 4.625%
HK$101,800
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,406/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,031
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,330
−HK$3,351/mo
Today · 4.125%
HK$112,681
baseline
▲ 0.50% · 4.625%
HK$119,537
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,362/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,959
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,123
−HK$3,209/mo
Today · 4.125%
HK$124,332
baseline
▲ 0.50% · 4.625%
HK$130,886
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,664/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,912 · Scale 2, in force from 26 Feb 2026)