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$58,945
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,778
−HK$1,863/mo
Today · 4.125%
HK$62,641
baseline
▲ 0.50% · 4.625%
HK$66,453
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,282/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,575
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,334
−HK$1,784/mo
Today · 4.125%
HK$69,118
baseline
▲ 0.50% · 4.625%
HK$72,762
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,236/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,734
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,934
−HK$2,235/mo
Today · 4.125%
HK$75,169
baseline
▲ 0.50% · 4.625%
HK$79,743
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,338/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,691
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,801
−HK$2,141/mo
Today · 4.125%
HK$82,942
baseline
▲ 0.50% · 4.625%
HK$87,314
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,884/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,523
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,090
−HK$2,608/mo
Today · 4.125%
HK$87,698
baseline
▲ 0.50% · 4.625%
HK$93,034
+HK$5,336/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,396/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,806
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,268
−HK$2,498/mo
Today · 4.125%
HK$96,766
baseline
▲ 0.50% · 4.625%
HK$101,866
+HK$5,100/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,532/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,101
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,401
−HK$3,353/mo
Today · 4.125%
HK$112,754
baseline
▲ 0.50% · 4.625%
HK$119,615
+HK$6,861/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,508/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,036
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,201
−HK$3,212/mo
Today · 4.125%
HK$124,413
baseline
▲ 0.50% · 4.625%
HK$130,971
+HK$6,558/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,826/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,628 · Scale 2, in force from 26 Feb 2026)