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$58,926
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,759
−HK$1,862/mo
Today · 4.125%
HK$62,621
baseline
▲ 0.50% · 4.625%
HK$66,431
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,242/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,554
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,312
−HK$1,784/mo
Today · 4.125%
HK$69,096
baseline
▲ 0.50% · 4.625%
HK$72,738
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,192/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,711
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,910
−HK$2,235/mo
Today · 4.125%
HK$75,145
baseline
▲ 0.50% · 4.625%
HK$79,717
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,290/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,665
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,775
−HK$2,140/mo
Today · 4.125%
HK$82,915
baseline
▲ 0.50% · 4.625%
HK$87,286
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,830/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,496
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,607/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$93,004
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,776
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,237
−HK$2,497/mo
Today · 4.125%
HK$96,734
baseline
▲ 0.50% · 4.625%
HK$101,833
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,468/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,066
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,365
−HK$3,352/mo
Today · 4.125%
HK$112,717
baseline
▲ 0.50% · 4.625%
HK$119,576
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,434/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,998
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,162
−HK$3,211/mo
Today · 4.125%
HK$124,373
baseline
▲ 0.50% · 4.625%
HK$130,928
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,746/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,272 · Scale 2, in force from 26 Feb 2026)