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$58,913
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,862/mo
Today · 4.125%
HK$62,607
baseline
▲ 0.50% · 4.625%
HK$66,417
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,214/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,540
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,298
−HK$1,783/mo
Today · 4.125%
HK$69,081
baseline
▲ 0.50% · 4.625%
HK$72,722
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,162/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,695
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,894
−HK$2,234/mo
Today · 4.125%
HK$75,128
baseline
▲ 0.50% · 4.625%
HK$79,700
+HK$4,572/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,256/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,648
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,757
−HK$2,140/mo
Today · 4.125%
HK$82,897
baseline
▲ 0.50% · 4.625%
HK$87,266
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,794/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,478
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,043
−HK$2,607/mo
Today · 4.125%
HK$87,650
baseline
▲ 0.50% · 4.625%
HK$92,983
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,300/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,756
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,217
−HK$2,496/mo
Today · 4.125%
HK$96,713
baseline
▲ 0.50% · 4.625%
HK$101,811
+HK$5,098/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,426/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,043
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,341
−HK$3,352/mo
Today · 4.125%
HK$112,693
baseline
▲ 0.50% · 4.625%
HK$119,550
+HK$6,857/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,386/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,972
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,136
−HK$3,209/mo
Today · 4.125%
HK$124,345
baseline
▲ 0.50% · 4.625%
HK$130,900
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,690/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,030 · Scale 2, in force from 26 Feb 2026)