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$59,140
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,980
−HK$1,869/mo
Today · 4.125%
HK$62,849
baseline
▲ 0.50% · 4.625%
HK$66,673
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,698/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,793
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,557
−HK$1,790/mo
Today · 4.125%
HK$69,347
baseline
▲ 0.50% · 4.625%
HK$73,003
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,694/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,968
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,176
−HK$2,242/mo
Today · 4.125%
HK$75,418
baseline
▲ 0.50% · 4.625%
HK$80,007
+HK$4,589/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,836/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,951
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,069
−HK$2,148/mo
Today · 4.125%
HK$83,217
baseline
▲ 0.50% · 4.625%
HK$87,603
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,434/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,371
−HK$2,617/mo
Today · 4.125%
HK$87,988
baseline
▲ 0.50% · 4.625%
HK$93,342
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,976/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,110
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,580
−HK$2,506/mo
Today · 4.125%
HK$97,086
baseline
▲ 0.50% · 4.625%
HK$102,204
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,172/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,452
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,763
−HK$3,364/mo
Today · 4.125%
HK$113,127
baseline
▲ 0.50% · 4.625%
HK$120,011
+HK$6,884/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,254/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,427
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,603
−HK$3,222/mo
Today · 4.125%
HK$124,825
baseline
▲ 0.50% · 4.625%
HK$131,405
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,650/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,267 · Scale 2, in force from 26 Feb 2026)