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$58,974
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,808
−HK$1,864/mo
Today · 4.125%
HK$62,672
baseline
▲ 0.50% · 4.625%
HK$66,485
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,344/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,608
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,367
−HK$1,785/mo
Today · 4.125%
HK$69,152
baseline
▲ 0.50% · 4.625%
HK$72,798
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,304/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,769
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,970
−HK$2,236/mo
Today · 4.125%
HK$75,206
baseline
▲ 0.50% · 4.625%
HK$79,783
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,412/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,729
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,841
−HK$2,142/mo
Today · 4.125%
HK$82,983
baseline
▲ 0.50% · 4.625%
HK$87,357
+HK$4,374/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,966/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,563
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,132
−HK$2,609/mo
Today · 4.125%
HK$87,741
baseline
▲ 0.50% · 4.625%
HK$93,080
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,482/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,851
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,314
−HK$2,499/mo
Today · 4.125%
HK$96,813
baseline
▲ 0.50% · 4.625%
HK$101,917
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,626/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,153
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,455
−HK$3,355/mo
Today · 4.125%
HK$112,810
baseline
▲ 0.50% · 4.625%
HK$119,674
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,620/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,094
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,261
−HK$3,213/mo
Today · 4.125%
HK$124,474
baseline
▲ 0.50% · 4.625%
HK$131,036
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,948/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,170 · Scale 2, in force from 26 Feb 2026)