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$58,836
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,666
−HK$1,859/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$66,330
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,454
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$1,781/mo
Today · 4.125%
HK$68,990
baseline
▲ 0.50% · 4.625%
HK$72,627
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,980/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,603
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,799
−HK$2,231/mo
Today · 4.125%
HK$75,030
baseline
▲ 0.50% · 4.625%
HK$79,595
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,060/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,545
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,651
−HK$2,137/mo
Today · 4.125%
HK$82,788
baseline
▲ 0.50% · 4.625%
HK$87,152
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,576/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,370
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,932
−HK$2,603/mo
Today · 4.125%
HK$87,535
baseline
▲ 0.50% · 4.625%
HK$92,861
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,070/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,636
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,093
−HK$2,493/mo
Today · 4.125%
HK$96,586
baseline
▲ 0.50% · 4.625%
HK$101,678
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,172/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,904
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,198
−HK$3,347/mo
Today · 4.125%
HK$112,545
baseline
▲ 0.50% · 4.625%
HK$119,393
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,090/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,817
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,977
−HK$3,205/mo
Today · 4.125%
HK$124,182
baseline
▲ 0.50% · 4.625%
HK$130,728
+HK$6,546/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,364/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,593 · Scale 2, in force from 26 Feb 2026)