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$58,843
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,673
−HK$1,860/mo
Today · 4.125%
HK$62,533
baseline
▲ 0.50% · 4.625%
HK$66,338
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,066/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,462
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,218
−HK$1,781/mo
Today · 4.125%
HK$68,999
baseline
▲ 0.50% · 4.625%
HK$72,636
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,998/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,612
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,808
−HK$2,231/mo
Today · 4.125%
HK$75,039
baseline
▲ 0.50% · 4.625%
HK$79,605
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,078/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,555
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,661
−HK$2,138/mo
Today · 4.125%
HK$82,799
baseline
▲ 0.50% · 4.625%
HK$87,163
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,598/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,380
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,943
−HK$2,603/mo
Today · 4.125%
HK$87,546
baseline
▲ 0.50% · 4.625%
HK$92,873
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,092/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,647
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,105
−HK$2,493/mo
Today · 4.125%
HK$96,598
baseline
▲ 0.50% · 4.625%
HK$101,690
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,196/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,917
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,212
−HK$3,347/mo
Today · 4.125%
HK$112,559
baseline
▲ 0.50% · 4.625%
HK$119,408
+HK$6,849/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,118/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,832
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,992
−HK$3,206/mo
Today · 4.125%
HK$124,198
baseline
▲ 0.50% · 4.625%
HK$130,745
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,396/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,730 · Scale 2, in force from 26 Feb 2026)