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$58,854
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,684
−HK$1,860/mo
Today · 4.125%
HK$62,544
baseline
▲ 0.50% · 4.625%
HK$66,350
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,088/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,927 · 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$12.91M · loan HK$12.91M · min. income ≈ HK$138,022/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,927 · 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$79,620
+HK$4,567/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$1,096,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,569
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,676
−HK$2,138/mo
Today · 4.125%
HK$82,814
baseline
▲ 0.50% · 4.625%
HK$87,179
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,628/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,395
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,958
−HK$2,604/mo
Today · 4.125%
HK$87,562
baseline
▲ 0.50% · 4.625%
HK$92,890
+HK$5,328/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,124/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,664
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,122
−HK$2,494/mo
Today · 4.125%
HK$96,616
baseline
▲ 0.50% · 4.625%
HK$101,709
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,232/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,936
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,232
−HK$3,347/mo
Today · 4.125%
HK$112,579
baseline
▲ 0.50% · 4.625%
HK$119,430
+HK$6,851/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$1,096,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,853
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,014
−HK$3,206/mo
Today · 4.125%
HK$124,220
baseline
▲ 0.50% · 4.625%
HK$130,768
+HK$6,548/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$1,096,927 · Scale 2, in force from 26 Feb 2026)