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$58,873
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,705
−HK$1,860/mo
Today · 4.125%
HK$62,565
baseline
▲ 0.50% · 4.625%
HK$66,372
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,130/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,496
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,253
−HK$1,782/mo
Today · 4.125%
HK$69,035
baseline
▲ 0.50% · 4.625%
HK$72,674
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,070/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,648
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,846
−HK$2,232/mo
Today · 4.125%
HK$75,078
baseline
▲ 0.50% · 4.625%
HK$79,647
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,156/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,595
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,139/mo
Today · 4.125%
HK$82,842
baseline
▲ 0.50% · 4.625%
HK$87,208
+HK$4,366/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,684/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,423
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,987
−HK$2,604/mo
Today · 4.125%
HK$87,591
baseline
▲ 0.50% · 4.625%
HK$92,921
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,182/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,695
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,154
−HK$2,495/mo
Today · 4.125%
HK$96,649
baseline
▲ 0.50% · 4.625%
HK$101,743
+HK$5,094/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,298/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,972
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,269
−HK$3,349/mo
Today · 4.125%
HK$112,618
baseline
▲ 0.50% · 4.625%
HK$119,470
+HK$6,852/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,236/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,893
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,055
−HK$3,207/mo
Today · 4.125%
HK$124,262
baseline
▲ 0.50% · 4.625%
HK$130,812
+HK$6,550/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,524/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,299 · Scale 2, in force from 26 Feb 2026)