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$58,879
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,710
−HK$1,861/mo
Today · 4.125%
HK$62,571
baseline
▲ 0.50% · 4.625%
HK$66,378
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,142/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,259
−HK$1,782/mo
Today · 4.125%
HK$69,041
baseline
▲ 0.50% · 4.625%
HK$72,680
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,082/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,654
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,852
−HK$2,233/mo
Today · 4.125%
HK$75,085
baseline
▲ 0.50% · 4.625%
HK$79,654
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,170/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,602
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,710
−HK$2,139/mo
Today · 4.125%
HK$82,849
baseline
▲ 0.50% · 4.625%
HK$87,216
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,698/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,430
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,994
−HK$2,605/mo
Today · 4.125%
HK$87,599
baseline
▲ 0.50% · 4.625%
HK$92,929
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,198/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,703
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,162
−HK$2,495/mo
Today · 4.125%
HK$96,657
baseline
▲ 0.50% · 4.625%
HK$101,752
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,314/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,982
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,278
−HK$3,350/mo
Today · 4.125%
HK$112,628
baseline
▲ 0.50% · 4.625%
HK$119,481
+HK$6,853/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,256/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,903
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,066
−HK$3,207/mo
Today · 4.125%
HK$124,273
baseline
▲ 0.50% · 4.625%
HK$130,824
+HK$6,551/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,546/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,396 · Scale 2, in force from 26 Feb 2026)