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$58,843
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,674
−HK$1,859/mo
Today · 4.125%
HK$62,533
baseline
▲ 0.50% · 4.625%
HK$66,338
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,066/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,463
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,218
−HK$1,781/mo
Today · 4.125%
HK$68,999
baseline
▲ 0.50% · 4.625%
HK$72,636
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,998/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,612
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,808
−HK$2,232/mo
Today · 4.125%
HK$75,040
baseline
▲ 0.50% · 4.625%
HK$79,606
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,080/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,555
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,662
−HK$2,137/mo
Today · 4.125%
HK$82,799
baseline
▲ 0.50% · 4.625%
HK$87,164
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,598/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,381
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,943
−HK$2,604/mo
Today · 4.125%
HK$87,547
baseline
▲ 0.50% · 4.625%
HK$92,874
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,094/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,648
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,106
−HK$2,493/mo
Today · 4.125%
HK$96,599
baseline
▲ 0.50% · 4.625%
HK$101,691
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,198/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,918
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,213
−HK$3,347/mo
Today · 4.125%
HK$112,560
baseline
▲ 0.50% · 4.625%
HK$119,409
+HK$6,849/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,120/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,833
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,993
−HK$3,206/mo
Today · 4.125%
HK$124,199
baseline
▲ 0.50% · 4.625%
HK$130,746
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,398/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,737 · Scale 2, in force from 26 Feb 2026)