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$58,991
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,864/mo
Today · 4.125%
HK$62,690
baseline
▲ 0.50% · 4.625%
HK$66,505
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,380/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,627
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,387
−HK$1,786/mo
Today · 4.125%
HK$69,173
baseline
▲ 0.50% · 4.625%
HK$72,819
+HK$3,646/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,346/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,789
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$72,991
−HK$2,238/mo
Today · 4.125%
HK$75,229
baseline
▲ 0.50% · 4.625%
HK$79,806
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,458/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,753
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,865
−HK$2,142/mo
Today · 4.125%
HK$83,007
baseline
▲ 0.50% · 4.625%
HK$87,383
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,014/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,588
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,157
−HK$2,610/mo
Today · 4.125%
HK$87,767
baseline
▲ 0.50% · 4.625%
HK$93,107
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,534/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,878
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,342
−HK$2,500/mo
Today · 4.125%
HK$96,842
baseline
▲ 0.50% · 4.625%
HK$101,946
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,684/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,184
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,487
−HK$3,356/mo
Today · 4.125%
HK$112,843
baseline
▲ 0.50% · 4.625%
HK$119,709
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,686/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,129
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,297
−HK$3,214/mo
Today · 4.125%
HK$124,511
baseline
▲ 0.50% · 4.625%
HK$131,074
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,022/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,493 · Scale 2, in force from 26 Feb 2026)