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$58,907
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,739
−HK$1,862/mo
Today · 4.125%
HK$62,601
baseline
▲ 0.50% · 4.625%
HK$66,410
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,202/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,534
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,291
−HK$1,783/mo
Today · 4.125%
HK$69,074
baseline
▲ 0.50% · 4.625%
HK$72,715
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,148/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,689
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,887
−HK$2,234/mo
Today · 4.125%
HK$75,121
baseline
▲ 0.50% · 4.625%
HK$79,692
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,242/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,640
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,749
−HK$2,140/mo
Today · 4.125%
HK$82,889
baseline
▲ 0.50% · 4.625%
HK$87,258
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,778/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,470
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,035
−HK$2,607/mo
Today · 4.125%
HK$87,642
baseline
▲ 0.50% · 4.625%
HK$92,974
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,284/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,747
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,208
−HK$2,496/mo
Today · 4.125%
HK$96,704
baseline
▲ 0.50% · 4.625%
HK$101,801
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,408/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,033
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,331
−HK$3,351/mo
Today · 4.125%
HK$112,682
baseline
▲ 0.50% · 4.625%
HK$119,538
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,364/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,960
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,124
−HK$3,209/mo
Today · 4.125%
HK$124,333
baseline
▲ 0.50% · 4.625%
HK$130,887
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,666/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,926 · Scale 2, in force from 26 Feb 2026)