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$58,927
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,862/mo
Today · 4.125%
HK$62,622
baseline
▲ 0.50% · 4.625%
HK$66,432
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,244/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,555
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,313
−HK$1,784/mo
Today · 4.125%
HK$69,097
baseline
▲ 0.50% · 4.625%
HK$72,739
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,194/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,712
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,912
−HK$2,234/mo
Today · 4.125%
HK$75,146
baseline
▲ 0.50% · 4.625%
HK$79,719
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,292/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,666
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,776
−HK$2,140/mo
Today · 4.125%
HK$82,916
baseline
▲ 0.50% · 4.625%
HK$87,287
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,832/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,497
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,063
−HK$2,608/mo
Today · 4.125%
HK$87,671
baseline
▲ 0.50% · 4.625%
HK$93,005
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,342/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,777
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,239
−HK$2,497/mo
Today · 4.125%
HK$96,736
baseline
▲ 0.50% · 4.625%
HK$101,835
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,472/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,068
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,367
−HK$3,352/mo
Today · 4.125%
HK$112,719
baseline
▲ 0.50% · 4.625%
HK$119,578
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,438/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,000
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,164
−HK$3,211/mo
Today · 4.125%
HK$124,375
baseline
▲ 0.50% · 4.625%
HK$130,931
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,750/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,290 · Scale 2, in force from 26 Feb 2026)