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$59,105
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,943
−HK$1,868/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,633
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,753
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,517
−HK$1,789/mo
Today · 4.125%
HK$69,306
baseline
▲ 0.50% · 4.625%
HK$72,959
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,612/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,926
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,132
−HK$2,241/mo
Today · 4.125%
HK$75,373
baseline
▲ 0.50% · 4.625%
HK$79,960
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,746/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,904
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,020
−HK$2,147/mo
Today · 4.125%
HK$83,167
baseline
▲ 0.50% · 4.625%
HK$87,551
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,334/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,747
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,321
−HK$2,615/mo
Today · 4.125%
HK$87,936
baseline
▲ 0.50% · 4.625%
HK$93,286
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,872/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,055
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,524
−HK$2,504/mo
Today · 4.125%
HK$97,028
baseline
▲ 0.50% · 4.625%
HK$102,143
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,056/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,389
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,698
−HK$3,362/mo
Today · 4.125%
HK$113,060
baseline
▲ 0.50% · 4.625%
HK$119,939
+HK$6,879/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,120/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,356
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,530
−HK$3,221/mo
Today · 4.125%
HK$124,751
baseline
▲ 0.50% · 4.625%
HK$131,326
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,502/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,610 · Scale 2, in force from 26 Feb 2026)