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$58,924
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,757
−HK$1,862/mo
Today · 4.125%
HK$62,619
baseline
▲ 0.50% · 4.625%
HK$66,429
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,238/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,552
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,310
−HK$1,784/mo
Today · 4.125%
HK$69,094
baseline
▲ 0.50% · 4.625%
HK$72,736
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,188/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,708
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,908
−HK$2,234/mo
Today · 4.125%
HK$75,142
baseline
▲ 0.50% · 4.625%
HK$79,715
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,284/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,662
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,772
−HK$2,140/mo
Today · 4.125%
HK$82,912
baseline
▲ 0.50% · 4.625%
HK$87,283
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,824/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,493
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,059
−HK$2,607/mo
Today · 4.125%
HK$87,666
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,332/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,773
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,234
−HK$2,497/mo
Today · 4.125%
HK$96,731
baseline
▲ 0.50% · 4.625%
HK$101,830
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,462/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,063
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,362
−HK$3,352/mo
Today · 4.125%
HK$112,714
baseline
▲ 0.50% · 4.625%
HK$119,572
+HK$6,858/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,428/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,994
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,158
−HK$3,210/mo
Today · 4.125%
HK$124,368
baseline
▲ 0.50% · 4.625%
HK$130,924
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,736/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,235 · Scale 2, in force from 26 Feb 2026)