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$58,849
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,679
−HK$1,860/mo
Today · 4.125%
HK$62,539
baseline
▲ 0.50% · 4.625%
HK$66,344
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,078/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,469
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,224
−HK$1,782/mo
Today · 4.125%
HK$69,006
baseline
▲ 0.50% · 4.625%
HK$72,643
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$138,012/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,618
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,815
−HK$2,232/mo
Today · 4.125%
HK$75,047
baseline
▲ 0.50% · 4.625%
HK$79,613
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,094/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,562
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,669
−HK$2,138/mo
Today · 4.125%
HK$82,807
baseline
▲ 0.50% · 4.625%
HK$87,172
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,614/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,388
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,951
−HK$2,604/mo
Today · 4.125%
HK$87,555
baseline
▲ 0.50% · 4.625%
HK$92,882
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,110/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,656
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,114
−HK$2,494/mo
Today · 4.125%
HK$96,608
baseline
▲ 0.50% · 4.625%
HK$101,700
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,216/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,928
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,223
−HK$3,347/mo
Today · 4.125%
HK$112,570
baseline
▲ 0.50% · 4.625%
HK$119,420
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,140/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,844
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$121,004
−HK$3,206/mo
Today · 4.125%
HK$124,210
baseline
▲ 0.50% · 4.625%
HK$130,758
+HK$6,548/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,420/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,838 · Scale 2, in force from 26 Feb 2026)