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$58,937
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,862/mo
Today · 4.125%
HK$62,633
baseline
▲ 0.50% · 4.625%
HK$66,444
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,266/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,567
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,326
−HK$1,783/mo
Today · 4.125%
HK$69,109
baseline
▲ 0.50% · 4.625%
HK$72,752
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,218/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,725
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,925
−HK$2,235/mo
Today · 4.125%
HK$75,160
baseline
▲ 0.50% · 4.625%
HK$79,733
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,320/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,681
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,791
−HK$2,140/mo
Today · 4.125%
HK$82,931
baseline
▲ 0.50% · 4.625%
HK$87,303
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,862/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,512
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,079
−HK$2,607/mo
Today · 4.125%
HK$87,686
baseline
▲ 0.50% · 4.625%
HK$93,022
+HK$5,336/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,372/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,794
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,256
−HK$2,497/mo
Today · 4.125%
HK$96,753
baseline
▲ 0.50% · 4.625%
HK$101,853
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,506/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,087
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,387
−HK$3,353/mo
Today · 4.125%
HK$112,740
baseline
▲ 0.50% · 4.625%
HK$119,600
+HK$6,860/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,480/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,021
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,186
−HK$3,211/mo
Today · 4.125%
HK$124,397
baseline
▲ 0.50% · 4.625%
HK$130,954
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,794/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,488 · Scale 2, in force from 26 Feb 2026)