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$59,036
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,873
−HK$1,866/mo
Today · 4.125%
HK$62,739
baseline
▲ 0.50% · 4.625%
HK$66,556
+HK$3,817/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,478/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,677
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,439
−HK$1,787/mo
Today · 4.125%
HK$69,226
baseline
▲ 0.50% · 4.625%
HK$72,875
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,452/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,844
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,047
−HK$2,239/mo
Today · 4.125%
HK$75,286
baseline
▲ 0.50% · 4.625%
HK$79,867
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,572/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,813
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,927
−HK$2,144/mo
Today · 4.125%
HK$83,071
baseline
▲ 0.50% · 4.625%
HK$87,450
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,142/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,651
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,222
−HK$2,612/mo
Today · 4.125%
HK$87,834
baseline
▲ 0.50% · 4.625%
HK$93,178
+HK$5,344/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,668/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,948
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,414
−HK$2,502/mo
Today · 4.125%
HK$96,916
baseline
▲ 0.50% · 4.625%
HK$102,025
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,832/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,266
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,571
−HK$3,358/mo
Today · 4.125%
HK$112,929
baseline
▲ 0.50% · 4.625%
HK$119,801
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,858/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,219
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,390
−HK$3,216/mo
Today · 4.125%
HK$124,606
baseline
▲ 0.50% · 4.625%
HK$131,175
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,212/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,337 · Scale 2, in force from 26 Feb 2026)