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$58,814
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,644
−HK$1,858/mo
Today · 4.125%
HK$62,502
baseline
▲ 0.50% · 4.625%
HK$66,305
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,004/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,430
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$1,780/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$72,600
+HK$3,635/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,577
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,772
−HK$2,231/mo
Today · 4.125%
HK$75,003
baseline
▲ 0.50% · 4.625%
HK$79,566
+HK$4,563/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,006/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,516
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,622
−HK$2,136/mo
Today · 4.125%
HK$82,758
baseline
▲ 0.50% · 4.625%
HK$87,120
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,516/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,340
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,901
−HK$2,602/mo
Today · 4.125%
HK$87,503
baseline
▲ 0.50% · 4.625%
HK$92,828
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$175,006/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,602
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,059
−HK$2,492/mo
Today · 4.125%
HK$96,551
baseline
▲ 0.50% · 4.625%
HK$101,640
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,102/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,865
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,158
−HK$3,346/mo
Today · 4.125%
HK$112,504
baseline
▲ 0.50% · 4.625%
HK$119,350
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$225,008/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,774
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,933
−HK$3,204/mo
Today · 4.125%
HK$124,137
baseline
▲ 0.50% · 4.625%
HK$130,681
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,274/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,193 · Scale 2, in force from 26 Feb 2026)