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$58,986
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,821
−HK$1,864/mo
Today · 4.125%
HK$62,685
baseline
▲ 0.50% · 4.625%
HK$66,499
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,370/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,621
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,381
−HK$1,786/mo
Today · 4.125%
HK$69,167
baseline
▲ 0.50% · 4.625%
HK$72,813
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,334/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,783
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,985
−HK$2,237/mo
Today · 4.125%
HK$75,222
baseline
▲ 0.50% · 4.625%
HK$79,799
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,444/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,746
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,858
−HK$2,142/mo
Today · 4.125%
HK$83,000
baseline
▲ 0.50% · 4.625%
HK$87,375
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,000/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,580
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,149
−HK$2,610/mo
Today · 4.125%
HK$87,759
baseline
▲ 0.50% · 4.625%
HK$93,099
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,518/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,870
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,334
−HK$2,499/mo
Today · 4.125%
HK$96,833
baseline
▲ 0.50% · 4.625%
HK$101,938
+HK$5,105/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,666/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,175
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,477
−HK$3,356/mo
Today · 4.125%
HK$112,833
baseline
▲ 0.50% · 4.625%
HK$119,699
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,666/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,118
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,286
−HK$3,214/mo
Today · 4.125%
HK$124,500
baseline
▲ 0.50% · 4.625%
HK$131,063
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,000/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,397 · Scale 2, in force from 26 Feb 2026)