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$58,864
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,695
−HK$1,861/mo
Today · 4.125%
HK$62,556
baseline
▲ 0.50% · 4.625%
HK$66,362
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,112/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,486
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,242
−HK$1,782/mo
Today · 4.125%
HK$69,024
baseline
▲ 0.50% · 4.625%
HK$72,662
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,048/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,637
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,834
−HK$2,233/mo
Today · 4.125%
HK$75,067
baseline
▲ 0.50% · 4.625%
HK$79,634
+HK$4,567/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,134/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,583
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,691
−HK$2,138/mo
Today · 4.125%
HK$82,829
baseline
▲ 0.50% · 4.625%
HK$87,195
+HK$4,366/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,658/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,410
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,973
−HK$2,605/mo
Today · 4.125%
HK$87,578
baseline
▲ 0.50% · 4.625%
HK$92,907
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,156/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,680
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,139
−HK$2,494/mo
Today · 4.125%
HK$96,633
baseline
▲ 0.50% · 4.625%
HK$101,727
+HK$5,094/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,266/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,956
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,251
−HK$3,349/mo
Today · 4.125%
HK$112,600
baseline
▲ 0.50% · 4.625%
HK$119,451
+HK$6,851/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,200/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,875
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,036
−HK$3,207/mo
Today · 4.125%
HK$124,243
baseline
▲ 0.50% · 4.625%
HK$130,792
+HK$6,549/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,486/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,127 · Scale 2, in force from 26 Feb 2026)