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$58,979
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,814
−HK$1,864/mo
Today · 4.125%
HK$62,678
baseline
▲ 0.50% · 4.625%
HK$66,491
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,356/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,614
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,373
−HK$1,786/mo
Today · 4.125%
HK$69,159
baseline
▲ 0.50% · 4.625%
HK$72,804
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,318/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,775
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,976
−HK$2,237/mo
Today · 4.125%
HK$75,213
baseline
▲ 0.50% · 4.625%
HK$79,790
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,426/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,736
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,848
−HK$2,142/mo
Today · 4.125%
HK$82,990
baseline
▲ 0.50% · 4.625%
HK$87,365
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,980/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,571
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,139
−HK$2,610/mo
Today · 4.125%
HK$87,749
baseline
▲ 0.50% · 4.625%
HK$93,088
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,498/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,859
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,323
−HK$2,499/mo
Today · 4.125%
HK$96,822
baseline
▲ 0.50% · 4.625%
HK$101,926
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,644/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,162
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,465
−HK$3,355/mo
Today · 4.125%
HK$112,820
baseline
▲ 0.50% · 4.625%
HK$119,684
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,640/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,105
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,272
−HK$3,213/mo
Today · 4.125%
HK$124,485
baseline
▲ 0.50% · 4.625%
HK$131,047
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,970/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,267 · Scale 2, in force from 26 Feb 2026)