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$58,833
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,663
−HK$1,860/mo
Today · 4.125%
HK$62,523
baseline
▲ 0.50% · 4.625%
HK$66,327
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,046/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,452
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,207
−HK$1,781/mo
Today · 4.125%
HK$68,988
baseline
▲ 0.50% · 4.625%
HK$72,624
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,976/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,600
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,796
−HK$2,231/mo
Today · 4.125%
HK$75,027
baseline
▲ 0.50% · 4.625%
HK$79,593
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,054/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,542
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,648
−HK$2,137/mo
Today · 4.125%
HK$82,785
baseline
▲ 0.50% · 4.625%
HK$87,149
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,570/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,367
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,603/mo
Today · 4.125%
HK$87,532
baseline
▲ 0.50% · 4.625%
HK$92,858
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,064/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,632
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,090
−HK$2,493/mo
Today · 4.125%
HK$96,583
baseline
▲ 0.50% · 4.625%
HK$101,674
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,166/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,900
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,194
−HK$3,347/mo
Today · 4.125%
HK$112,541
baseline
▲ 0.50% · 4.625%
HK$119,389
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,082/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,813
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,972
−HK$3,206/mo
Today · 4.125%
HK$124,178
baseline
▲ 0.50% · 4.625%
HK$130,723
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,356/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,552 · Scale 2, in force from 26 Feb 2026)