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$58,838
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,668
−HK$1,860/mo
Today · 4.125%
HK$62,528
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,056/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,457
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$1,781/mo
Today · 4.125%
HK$68,993
baseline
▲ 0.50% · 4.625%
HK$72,630
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,986/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,606
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,802
−HK$2,231/mo
Today · 4.125%
HK$75,033
baseline
▲ 0.50% · 4.625%
HK$79,599
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,066/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,548
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,655
−HK$2,137/mo
Today · 4.125%
HK$82,792
baseline
▲ 0.50% · 4.625%
HK$87,156
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,584/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,373
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,935
−HK$2,604/mo
Today · 4.125%
HK$87,539
baseline
▲ 0.50% · 4.625%
HK$92,865
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,078/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,639
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,097
−HK$2,493/mo
Today · 4.125%
HK$96,590
baseline
▲ 0.50% · 4.625%
HK$101,682
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,180/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,908
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,203
−HK$3,347/mo
Today · 4.125%
HK$112,550
baseline
▲ 0.50% · 4.625%
HK$119,398
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,100/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,822
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,982
−HK$3,205/mo
Today · 4.125%
HK$124,187
baseline
▲ 0.50% · 4.625%
HK$130,734
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,374/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,637 · Scale 2, in force from 26 Feb 2026)