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$59,082
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,920
−HK$1,867/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,608
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,728
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,491
−HK$1,789/mo
Today · 4.125%
HK$69,280
baseline
▲ 0.50% · 4.625%
HK$72,931
+HK$3,651/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,560/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,899
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,104
−HK$2,241/mo
Today · 4.125%
HK$75,345
baseline
▲ 0.50% · 4.625%
HK$79,929
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,690/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,874
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,989
−HK$2,146/mo
Today · 4.125%
HK$83,135
baseline
▲ 0.50% · 4.625%
HK$87,518
+HK$4,383/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,270/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,715
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,288
−HK$2,614/mo
Today · 4.125%
HK$87,902
baseline
▲ 0.50% · 4.625%
HK$93,251
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,804/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,020
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,488
−HK$2,503/mo
Today · 4.125%
HK$96,991
baseline
▲ 0.50% · 4.625%
HK$102,104
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,982/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,348
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,656
−HK$3,361/mo
Today · 4.125%
HK$113,017
baseline
▲ 0.50% · 4.625%
HK$119,894
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,034/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,311
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,484
−HK$3,219/mo
Today · 4.125%
HK$124,703
baseline
▲ 0.50% · 4.625%
HK$131,276
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,406/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,191 · Scale 2, in force from 26 Feb 2026)