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$59,143
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,982
−HK$1,870/mo
Today · 4.125%
HK$62,852
baseline
▲ 0.50% · 4.625%
HK$66,676
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,704/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,560
−HK$1,790/mo
Today · 4.125%
HK$69,350
baseline
▲ 0.50% · 4.625%
HK$73,006
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,700/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,971
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$2,243/mo
Today · 4.125%
HK$75,422
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,589/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,844/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,955
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,072
−HK$2,149/mo
Today · 4.125%
HK$83,221
baseline
▲ 0.50% · 4.625%
HK$87,607
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,442/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,800
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,375
−HK$2,617/mo
Today · 4.125%
HK$87,992
baseline
▲ 0.50% · 4.625%
HK$93,346
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$175,984/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,114
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,584
−HK$2,507/mo
Today · 4.125%
HK$97,091
baseline
▲ 0.50% · 4.625%
HK$102,208
+HK$5,117/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,182/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,457
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,768
−HK$3,365/mo
Today · 4.125%
HK$113,133
baseline
▲ 0.50% · 4.625%
HK$120,017
+HK$6,884/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,266/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,432
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,609
−HK$3,222/mo
Today · 4.125%
HK$124,831
baseline
▲ 0.50% · 4.625%
HK$131,411
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,662/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,319 · Scale 2, in force from 26 Feb 2026)