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$58,872
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,704
−HK$1,860/mo
Today · 4.125%
HK$62,564
baseline
▲ 0.50% · 4.625%
HK$66,371
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,128/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,495
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,252
−HK$1,782/mo
Today · 4.125%
HK$69,034
baseline
▲ 0.50% · 4.625%
HK$72,672
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,068/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,647
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,844
−HK$2,233/mo
Today · 4.125%
HK$75,077
baseline
▲ 0.50% · 4.625%
HK$79,645
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,154/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,594
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,702
−HK$2,138/mo
Today · 4.125%
HK$82,840
baseline
▲ 0.50% · 4.625%
HK$87,207
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,680/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,421
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,985
−HK$2,605/mo
Today · 4.125%
HK$87,590
baseline
▲ 0.50% · 4.625%
HK$92,920
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,180/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,693
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,152
−HK$2,495/mo
Today · 4.125%
HK$96,647
baseline
▲ 0.50% · 4.625%
HK$101,741
+HK$5,094/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,294/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,970
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,267
−HK$3,349/mo
Today · 4.125%
HK$112,616
baseline
▲ 0.50% · 4.625%
HK$119,468
+HK$6,852/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,232/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,891
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,053
−HK$3,207/mo
Today · 4.125%
HK$124,260
baseline
▲ 0.50% · 4.625%
HK$130,810
+HK$6,550/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,520/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,281 · Scale 2, in force from 26 Feb 2026)