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$58,915
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,748
−HK$1,862/mo
Today · 4.125%
HK$62,610
baseline
▲ 0.50% · 4.625%
HK$66,419
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,220/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,542
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,300
−HK$1,783/mo
Today · 4.125%
HK$69,083
baseline
▲ 0.50% · 4.625%
HK$72,725
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,166/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,698
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,897
−HK$2,234/mo
Today · 4.125%
HK$75,131
baseline
▲ 0.50% · 4.625%
HK$79,703
+HK$4,572/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,262/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,651
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,140/mo
Today · 4.125%
HK$82,900
baseline
▲ 0.50% · 4.625%
HK$87,270
+HK$4,370/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,800/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,481
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,047
−HK$2,606/mo
Today · 4.125%
HK$87,653
baseline
▲ 0.50% · 4.625%
HK$92,987
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,306/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,759
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,220
−HK$2,497/mo
Today · 4.125%
HK$96,717
baseline
▲ 0.50% · 4.625%
HK$101,815
+HK$5,098/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,434/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,047
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,346
−HK$3,351/mo
Today · 4.125%
HK$112,697
baseline
▲ 0.50% · 4.625%
HK$119,555
+HK$6,858/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,394/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,976
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,140
−HK$3,210/mo
Today · 4.125%
HK$124,350
baseline
▲ 0.50% · 4.625%
HK$130,905
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,700/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,075 · Scale 2, in force from 26 Feb 2026)