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$58,860
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,691
−HK$1,860/mo
Today · 4.125%
HK$62,551
baseline
▲ 0.50% · 4.625%
HK$66,357
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,102/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,481
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,237
−HK$1,782/mo
Today · 4.125%
HK$69,019
baseline
▲ 0.50% · 4.625%
HK$72,657
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,038/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,632
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,829
−HK$2,232/mo
Today · 4.125%
HK$75,061
baseline
▲ 0.50% · 4.625%
HK$79,628
+HK$4,567/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,122/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,577
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,685
−HK$2,137/mo
Today · 4.125%
HK$82,822
baseline
▲ 0.50% · 4.625%
HK$87,188
+HK$4,366/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,644/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,404
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,967
−HK$2,604/mo
Today · 4.125%
HK$87,571
baseline
▲ 0.50% · 4.625%
HK$92,900
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,142/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,673
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,132
−HK$2,494/mo
Today · 4.125%
HK$96,626
baseline
▲ 0.50% · 4.625%
HK$101,719
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,252/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,948
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,243
−HK$3,349/mo
Today · 4.125%
HK$112,592
baseline
▲ 0.50% · 4.625%
HK$119,442
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,184/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,866
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,027
−HK$3,207/mo
Today · 4.125%
HK$124,234
baseline
▲ 0.50% · 4.625%
HK$130,782
+HK$6,548/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,468/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,045 · Scale 2, in force from 26 Feb 2026)