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$58,963
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,797
−HK$1,863/mo
Today · 4.125%
HK$62,660
baseline
▲ 0.50% · 4.625%
HK$66,473
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,320/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,595
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,355
−HK$1,784/mo
Today · 4.125%
HK$69,139
baseline
▲ 0.50% · 4.625%
HK$72,784
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,278/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,755
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,956
−HK$2,236/mo
Today · 4.125%
HK$75,192
baseline
▲ 0.50% · 4.625%
HK$79,768
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,384/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,715
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,826
−HK$2,141/mo
Today · 4.125%
HK$82,967
baseline
▲ 0.50% · 4.625%
HK$87,341
+HK$4,374/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,934/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,548
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,116
−HK$2,608/mo
Today · 4.125%
HK$87,724
baseline
▲ 0.50% · 4.625%
HK$93,062
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,448/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,834
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,297
−HK$2,498/mo
Today · 4.125%
HK$96,795
baseline
▲ 0.50% · 4.625%
HK$101,897
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,590/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,133
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,434
−HK$3,354/mo
Today · 4.125%
HK$112,788
baseline
▲ 0.50% · 4.625%
HK$119,651
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,576/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,072
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,238
−HK$3,213/mo
Today · 4.125%
HK$124,451
baseline
▲ 0.50% · 4.625%
HK$131,011
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,902/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,963 · Scale 2, in force from 26 Feb 2026)