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$59,018
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,854
−HK$1,865/mo
Today · 4.125%
HK$62,719
baseline
▲ 0.50% · 4.625%
HK$66,536
+HK$3,817/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,438/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,657
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,418
−HK$1,787/mo
Today · 4.125%
HK$69,205
baseline
▲ 0.50% · 4.625%
HK$72,853
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,410/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,822
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,025
−HK$2,238/mo
Today · 4.125%
HK$75,263
baseline
▲ 0.50% · 4.625%
HK$79,843
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,526/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,789
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,902
−HK$2,144/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$87,423
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,626
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,196
−HK$2,611/mo
Today · 4.125%
HK$87,807
baseline
▲ 0.50% · 4.625%
HK$93,150
+HK$5,343/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,614/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,920
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,386
−HK$2,501/mo
Today · 4.125%
HK$96,887
baseline
▲ 0.50% · 4.625%
HK$101,994
+HK$5,107/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,774/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,233
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,538
−HK$3,357/mo
Today · 4.125%
HK$112,895
baseline
▲ 0.50% · 4.625%
HK$119,764
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,790/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,183
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,353
−HK$3,215/mo
Today · 4.125%
HK$124,568
baseline
▲ 0.50% · 4.625%
HK$131,135
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,136/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,001 · Scale 2, in force from 26 Feb 2026)