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$58,970
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,805
−HK$1,863/mo
Today · 4.125%
HK$62,668
baseline
▲ 0.50% · 4.625%
HK$66,482
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,336/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,604
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,363
−HK$1,785/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$72,793
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,764
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,966
−HK$2,236/mo
Today · 4.125%
HK$75,202
baseline
▲ 0.50% · 4.625%
HK$79,778
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$150,404/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,725
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,836
−HK$2,142/mo
Today · 4.125%
HK$82,978
baseline
▲ 0.50% · 4.625%
HK$87,352
+HK$4,374/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$165,956/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,559
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,127
−HK$2,609/mo
Today · 4.125%
HK$87,736
baseline
▲ 0.50% · 4.625%
HK$93,074
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,472/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,846
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,309
−HK$2,499/mo
Today · 4.125%
HK$96,808
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,616/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,147
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,448
−HK$3,355/mo
Today · 4.125%
HK$112,803
baseline
▲ 0.50% · 4.625%
HK$119,667
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,606/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,087
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,254
−HK$3,213/mo
Today · 4.125%
HK$124,467
baseline
▲ 0.50% · 4.625%
HK$131,028
+HK$6,561/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,934/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,106 · Scale 2, in force from 26 Feb 2026)