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$58,604
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,852/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$66,068
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,196
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,944
−HK$1,774/mo
Today · 4.125%
HK$68,718
baseline
▲ 0.50% · 4.625%
HK$72,341
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,436/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,324
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,512
−HK$2,222/mo
Today · 4.125%
HK$74,734
baseline
▲ 0.50% · 4.625%
HK$79,282
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,468/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,235
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,333
−HK$2,129/mo
Today · 4.125%
HK$82,462
baseline
▲ 0.50% · 4.625%
HK$86,809
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,924/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,045
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,597
−HK$2,593/mo
Today · 4.125%
HK$87,190
baseline
▲ 0.50% · 4.625%
HK$92,495
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,380/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,274
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,722
−HK$2,484/mo
Today · 4.125%
HK$96,206
baseline
▲ 0.50% · 4.625%
HK$101,277
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,412/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,487
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,768
−HK$3,333/mo
Today · 4.125%
HK$112,101
baseline
▲ 0.50% · 4.625%
HK$118,923
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,202/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,353
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,500
−HK$3,193/mo
Today · 4.125%
HK$123,693
baseline
▲ 0.50% · 4.625%
HK$130,213
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,386/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,270 · Scale 2, in force from 26 Feb 2026)