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$58,978
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,812
−HK$1,864/mo
Today · 4.125%
HK$62,676
baseline
▲ 0.50% · 4.625%
HK$66,490
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,352/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,612
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,372
−HK$1,785/mo
Today · 4.125%
HK$69,157
baseline
▲ 0.50% · 4.625%
HK$72,802
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,314/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,773
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,975
−HK$2,236/mo
Today · 4.125%
HK$75,211
baseline
▲ 0.50% · 4.625%
HK$79,788
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,422/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,735
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,846
−HK$2,142/mo
Today · 4.125%
HK$82,988
baseline
▲ 0.50% · 4.625%
HK$87,363
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,976/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,569
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,137
−HK$2,610/mo
Today · 4.125%
HK$87,747
baseline
▲ 0.50% · 4.625%
HK$93,086
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,494/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,857
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,321
−HK$2,499/mo
Today · 4.125%
HK$96,820
baseline
▲ 0.50% · 4.625%
HK$101,923
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,640/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,160
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,462
−HK$3,355/mo
Today · 4.125%
HK$112,817
baseline
▲ 0.50% · 4.625%
HK$119,682
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,634/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,102
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,269
−HK$3,214/mo
Today · 4.125%
HK$124,483
baseline
▲ 0.50% · 4.625%
HK$131,044
+HK$6,561/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,966/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,244 · Scale 2, in force from 26 Feb 2026)