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$58,894
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,726
−HK$1,861/mo
Today · 4.125%
HK$62,587
baseline
▲ 0.50% · 4.625%
HK$66,395
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,174/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,519
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,276
−HK$1,782/mo
Today · 4.125%
HK$69,058
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$3,641/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,116/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,672
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,871
−HK$2,233/mo
Today · 4.125%
HK$75,104
baseline
▲ 0.50% · 4.625%
HK$79,674
+HK$4,570/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,208/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,622
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,731
−HK$2,139/mo
Today · 4.125%
HK$82,870
baseline
▲ 0.50% · 4.625%
HK$87,238
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,740/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,451
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,016
−HK$2,606/mo
Today · 4.125%
HK$87,622
baseline
▲ 0.50% · 4.625%
HK$92,953
+HK$5,331/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,244/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,726
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,186
−HK$2,496/mo
Today · 4.125%
HK$96,682
baseline
▲ 0.50% · 4.625%
HK$101,778
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,364/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,009
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,306
−HK$3,350/mo
Today · 4.125%
HK$112,656
baseline
▲ 0.50% · 4.625%
HK$119,511
+HK$6,855/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,312/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,934
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,096
−HK$3,209/mo
Today · 4.125%
HK$124,305
baseline
▲ 0.50% · 4.625%
HK$130,857
+HK$6,552/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,610/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,676 · Scale 2, in force from 26 Feb 2026)