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$58,933
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,766
−HK$1,863/mo
Today · 4.125%
HK$62,629
baseline
▲ 0.50% · 4.625%
HK$66,439
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,258/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,562
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$1,783/mo
Today · 4.125%
HK$69,104
baseline
▲ 0.50% · 4.625%
HK$72,747
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,208/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,720
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,919
−HK$2,235/mo
Today · 4.125%
HK$75,154
baseline
▲ 0.50% · 4.625%
HK$79,727
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,308/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,675
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,785
−HK$2,140/mo
Today · 4.125%
HK$82,925
baseline
▲ 0.50% · 4.625%
HK$87,296
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,850/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,506
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,072
−HK$2,608/mo
Today · 4.125%
HK$87,680
baseline
▲ 0.50% · 4.625%
HK$93,015
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,360/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,787
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,249
−HK$2,497/mo
Today · 4.125%
HK$96,746
baseline
▲ 0.50% · 4.625%
HK$101,846
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,492/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,079
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,379
−HK$3,352/mo
Today · 4.125%
HK$112,731
baseline
▲ 0.50% · 4.625%
HK$119,591
+HK$6,860/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,462/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,012
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,177
−HK$3,211/mo
Today · 4.125%
HK$124,388
baseline
▲ 0.50% · 4.625%
HK$130,945
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,776/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,407 · Scale 2, in force from 26 Feb 2026)