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$58,975
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,810
−HK$1,863/mo
Today · 4.125%
HK$62,673
baseline
▲ 0.50% · 4.625%
HK$66,487
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,346/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,609
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,369
−HK$1,785/mo
Today · 4.125%
HK$69,154
baseline
▲ 0.50% · 4.625%
HK$72,799
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,308/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,770
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,972
−HK$2,236/mo
Today · 4.125%
HK$75,208
baseline
▲ 0.50% · 4.625%
HK$79,784
+HK$4,576/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,416/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,731
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,843
−HK$2,142/mo
Today · 4.125%
HK$82,985
baseline
▲ 0.50% · 4.625%
HK$87,359
+HK$4,374/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,970/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,565
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,134
−HK$2,609/mo
Today · 4.125%
HK$87,743
baseline
▲ 0.50% · 4.625%
HK$93,082
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,486/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,853
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,317
−HK$2,499/mo
Today · 4.125%
HK$96,816
baseline
▲ 0.50% · 4.625%
HK$101,919
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,632/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,155
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,457
−HK$3,355/mo
Today · 4.125%
HK$112,812
baseline
▲ 0.50% · 4.625%
HK$119,677
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,624/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,097
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,264
−HK$3,213/mo
Today · 4.125%
HK$124,477
baseline
▲ 0.50% · 4.625%
HK$131,039
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,954/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,195 · Scale 2, in force from 26 Feb 2026)