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$58,925
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,758
−HK$1,862/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$66,431
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,554
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,312
−HK$1,783/mo
Today · 4.125%
HK$69,095
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,190/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,710
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,910
−HK$2,234/mo
Today · 4.125%
HK$75,144
baseline
▲ 0.50% · 4.625%
HK$79,717
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,288/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,664
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,774
−HK$2,140/mo
Today · 4.125%
HK$82,914
baseline
▲ 0.50% · 4.625%
HK$87,285
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,828/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,495
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,061
−HK$2,607/mo
Today · 4.125%
HK$87,668
baseline
▲ 0.50% · 4.625%
HK$93,003
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,336/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,775
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,236
−HK$2,497/mo
Today · 4.125%
HK$96,733
baseline
▲ 0.50% · 4.625%
HK$101,832
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,466/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,065
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,364
−HK$3,352/mo
Today · 4.125%
HK$112,716
baseline
▲ 0.50% · 4.625%
HK$119,575
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,432/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,996
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,161
−HK$3,210/mo
Today · 4.125%
HK$124,371
baseline
▲ 0.50% · 4.625%
HK$130,927
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,742/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,262 · Scale 2, in force from 26 Feb 2026)