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$58,858
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,689
−HK$1,860/mo
Today · 4.125%
HK$62,549
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,098/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,479
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,235
−HK$1,781/mo
Today · 4.125%
HK$69,016
baseline
▲ 0.50% · 4.625%
HK$72,654
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,032/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,629
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,826
−HK$2,232/mo
Today · 4.125%
HK$75,058
baseline
▲ 0.50% · 4.625%
HK$79,626
+HK$4,568/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,116/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,574
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,682
−HK$2,138/mo
Today · 4.125%
HK$82,820
baseline
▲ 0.50% · 4.625%
HK$87,185
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,640/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,401
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,964
−HK$2,604/mo
Today · 4.125%
HK$87,568
baseline
▲ 0.50% · 4.625%
HK$92,897
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,136/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,670
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,129
−HK$2,494/mo
Today · 4.125%
HK$96,623
baseline
▲ 0.50% · 4.625%
HK$101,716
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,246/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,944
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,240
−HK$3,348/mo
Today · 4.125%
HK$112,588
baseline
▲ 0.50% · 4.625%
HK$119,438
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,176/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,862
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,023
−HK$3,206/mo
Today · 4.125%
HK$124,229
baseline
▲ 0.50% · 4.625%
HK$130,778
+HK$6,549/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,458/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,007 · Scale 2, in force from 26 Feb 2026)