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$58,859
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,689
−HK$1,861/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$66,356
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,480
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,236
−HK$1,781/mo
Today · 4.125%
HK$69,017
baseline
▲ 0.50% · 4.625%
HK$72,655
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,034/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,630
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,827
−HK$2,232/mo
Today · 4.125%
HK$75,059
baseline
▲ 0.50% · 4.625%
HK$79,627
+HK$4,568/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,118/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,575
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,683
−HK$2,138/mo
Today · 4.125%
HK$82,821
baseline
▲ 0.50% · 4.625%
HK$87,186
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,642/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,402
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,965
−HK$2,604/mo
Today · 4.125%
HK$87,569
baseline
▲ 0.50% · 4.625%
HK$92,898
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,138/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,671
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,130
−HK$2,494/mo
Today · 4.125%
HK$96,624
baseline
▲ 0.50% · 4.625%
HK$101,717
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,248/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,945
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,241
−HK$3,348/mo
Today · 4.125%
HK$112,589
baseline
▲ 0.50% · 4.625%
HK$119,440
+HK$6,851/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,178/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,863
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,024
−HK$3,207/mo
Today · 4.125%
HK$124,231
baseline
▲ 0.50% · 4.625%
HK$130,779
+HK$6,548/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,462/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,021 · Scale 2, in force from 26 Feb 2026)