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$58,853
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,684
−HK$1,860/mo
Today · 4.125%
HK$62,544
baseline
▲ 0.50% · 4.625%
HK$66,349
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,088/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,474
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,230
−HK$1,781/mo
Today · 4.125%
HK$69,011
baseline
▲ 0.50% · 4.625%
HK$72,649
+HK$3,638/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$138,022/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,624
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,821
−HK$2,232/mo
Today · 4.125%
HK$75,053
baseline
▲ 0.50% · 4.625%
HK$79,619
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,106/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,568
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,675
−HK$2,138/mo
Today · 4.125%
HK$82,813
baseline
▲ 0.50% · 4.625%
HK$87,178
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,626/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,394
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,957
−HK$2,604/mo
Today · 4.125%
HK$87,561
baseline
▲ 0.50% · 4.625%
HK$92,889
+HK$5,328/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,122/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,663
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,121
−HK$2,494/mo
Today · 4.125%
HK$96,615
baseline
▲ 0.50% · 4.625%
HK$101,708
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,230/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,936
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,231
−HK$3,348/mo
Today · 4.125%
HK$112,579
baseline
▲ 0.50% · 4.625%
HK$119,429
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,158/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,852
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,013
−HK$3,207/mo
Today · 4.125%
HK$124,220
baseline
▲ 0.50% · 4.625%
HK$130,767
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,440/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,921 · Scale 2, in force from 26 Feb 2026)