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$58,892
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,723
−HK$1,862/mo
Today · 4.125%
HK$62,585
baseline
▲ 0.50% · 4.625%
HK$66,393
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,170/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,516
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,273
−HK$1,783/mo
Today · 4.125%
HK$69,056
baseline
▲ 0.50% · 4.625%
HK$72,696
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,112/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,670
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,868
−HK$2,233/mo
Today · 4.125%
HK$75,101
baseline
▲ 0.50% · 4.625%
HK$79,671
+HK$4,570/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,202/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,619
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,728
−HK$2,139/mo
Today · 4.125%
HK$82,867
baseline
▲ 0.50% · 4.625%
HK$87,235
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,734/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,448
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,013
−HK$2,605/mo
Today · 4.125%
HK$87,618
baseline
▲ 0.50% · 4.625%
HK$92,950
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,236/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,723
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,183
−HK$2,495/mo
Today · 4.125%
HK$96,678
baseline
▲ 0.50% · 4.625%
HK$101,774
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,356/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,005
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,302
−HK$3,350/mo
Today · 4.125%
HK$112,652
baseline
▲ 0.50% · 4.625%
HK$119,507
+HK$6,855/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,304/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,929
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,092
−HK$3,209/mo
Today · 4.125%
HK$124,301
baseline
▲ 0.50% · 4.625%
HK$130,853
+HK$6,552/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,602/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,636 · Scale 2, in force from 26 Feb 2026)