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$58,869
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,700
−HK$1,861/mo
Today · 4.125%
HK$62,561
baseline
▲ 0.50% · 4.625%
HK$66,367
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,122/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,491
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,248
−HK$1,781/mo
Today · 4.125%
HK$69,029
baseline
▲ 0.50% · 4.625%
HK$72,668
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,058/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,643
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,840
−HK$2,233/mo
Today · 4.125%
HK$75,073
baseline
▲ 0.50% · 4.625%
HK$79,641
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,146/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,589
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,697
−HK$2,138/mo
Today · 4.125%
HK$82,835
baseline
▲ 0.50% · 4.625%
HK$87,202
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,670/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,417
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,980
−HK$2,605/mo
Today · 4.125%
HK$87,585
baseline
▲ 0.50% · 4.625%
HK$92,914
+HK$5,329/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,170/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,688
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,147
−HK$2,494/mo
Today · 4.125%
HK$96,641
baseline
▲ 0.50% · 4.625%
HK$101,735
+HK$5,094/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,282/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,964
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,260
−HK$3,349/mo
Today · 4.125%
HK$112,609
baseline
▲ 0.50% · 4.625%
HK$119,461
+HK$6,852/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,218/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,884
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,046
−HK$3,207/mo
Today · 4.125%
HK$124,253
baseline
▲ 0.50% · 4.625%
HK$130,803
+HK$6,550/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,506/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,216 · Scale 2, in force from 26 Feb 2026)