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$58,904
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,736
−HK$1,862/mo
Today · 4.125%
HK$62,598
baseline
▲ 0.50% · 4.625%
HK$66,407
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,196/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,530
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,288
−HK$1,783/mo
Today · 4.125%
HK$69,071
baseline
▲ 0.50% · 4.625%
HK$72,711
+HK$3,640/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,142/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,685
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,884
−HK$2,233/mo
Today · 4.125%
HK$75,117
baseline
▲ 0.50% · 4.625%
HK$79,688
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,234/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,636
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,745
−HK$2,140/mo
Today · 4.125%
HK$82,885
baseline
▲ 0.50% · 4.625%
HK$87,254
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,770/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,466
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,031
−HK$2,606/mo
Today · 4.125%
HK$87,637
baseline
▲ 0.50% · 4.625%
HK$92,969
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,274/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,742
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,203
−HK$2,496/mo
Today · 4.125%
HK$96,699
baseline
▲ 0.50% · 4.625%
HK$101,796
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,398/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,027
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,325
−HK$3,351/mo
Today · 4.125%
HK$112,676
baseline
▲ 0.50% · 4.625%
HK$119,532
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,352/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,954
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,118
−HK$3,209/mo
Today · 4.125%
HK$124,327
baseline
▲ 0.50% · 4.625%
HK$130,880
+HK$6,553/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,654/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,869 · Scale 2, in force from 26 Feb 2026)