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$58,866
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,697
−HK$1,860/mo
Today · 4.125%
HK$62,557
baseline
▲ 0.50% · 4.625%
HK$66,364
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,114/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,488
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,244
−HK$1,782/mo
Today · 4.125%
HK$69,026
baseline
▲ 0.50% · 4.625%
HK$72,664
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,052/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,639
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,836
−HK$2,233/mo
Today · 4.125%
HK$75,069
baseline
▲ 0.50% · 4.625%
HK$79,636
+HK$4,567/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,138/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,585
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,693
−HK$2,138/mo
Today · 4.125%
HK$82,831
baseline
▲ 0.50% · 4.625%
HK$87,197
+HK$4,366/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,662/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,412
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,976
−HK$2,604/mo
Today · 4.125%
HK$87,580
baseline
▲ 0.50% · 4.625%
HK$92,909
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,160/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,683
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,142
−HK$2,494/mo
Today · 4.125%
HK$96,636
baseline
▲ 0.50% · 4.625%
HK$101,730
+HK$5,094/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,272/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,959
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,254
−HK$3,349/mo
Today · 4.125%
HK$112,603
baseline
▲ 0.50% · 4.625%
HK$119,455
+HK$6,852/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,206/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,878
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,039
−HK$3,207/mo
Today · 4.125%
HK$124,246
baseline
▲ 0.50% · 4.625%
HK$130,796
+HK$6,550/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,492/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,158 · Scale 2, in force from 26 Feb 2026)