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$58,879
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,860/mo
Today · 4.125%
HK$62,571
baseline
▲ 0.50% · 4.625%
HK$66,379
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,142/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,259
−HK$1,782/mo
Today · 4.125%
HK$69,041
baseline
▲ 0.50% · 4.625%
HK$72,681
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,082/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,655
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,853
−HK$2,233/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,654
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,603
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,711
−HK$2,139/mo
Today · 4.125%
HK$82,850
baseline
▲ 0.50% · 4.625%
HK$87,217
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,700/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,995
−HK$2,605/mo
Today · 4.125%
HK$87,600
baseline
▲ 0.50% · 4.625%
HK$92,930
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,200/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,703
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,163
−HK$2,495/mo
Today · 4.125%
HK$96,658
baseline
▲ 0.50% · 4.625%
HK$101,753
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,316/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,982
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,279
−HK$3,349/mo
Today · 4.125%
HK$112,628
baseline
▲ 0.50% · 4.625%
HK$119,482
+HK$6,854/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,256/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,904
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,066
−HK$3,208/mo
Today · 4.125%
HK$124,274
baseline
▲ 0.50% · 4.625%
HK$130,825
+HK$6,551/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,548/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,404 · Scale 2, in force from 26 Feb 2026)