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$58,753
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,580
−HK$1,857/mo
Today · 4.125%
HK$62,437
baseline
▲ 0.50% · 4.625%
HK$66,236
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,874/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,362
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,115
−HK$1,778/mo
Today · 4.125%
HK$68,893
baseline
▲ 0.50% · 4.625%
HK$72,525
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,786/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,503
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,696
−HK$2,228/mo
Today · 4.125%
HK$74,924
baseline
▲ 0.50% · 4.625%
HK$79,483
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,848/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,434
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,538
−HK$2,134/mo
Today · 4.125%
HK$82,672
baseline
▲ 0.50% · 4.625%
HK$87,030
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,344/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,254
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,812
−HK$2,600/mo
Today · 4.125%
HK$87,412
baseline
▲ 0.50% · 4.625%
HK$92,731
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,824/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,507
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,961
−HK$2,489/mo
Today · 4.125%
HK$96,450
baseline
▲ 0.50% · 4.625%
HK$101,534
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,900/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,755
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,045
−HK$3,342/mo
Today · 4.125%
HK$112,387
baseline
▲ 0.50% · 4.625%
HK$119,225
+HK$6,838/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,774/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,651
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,807
−HK$3,201/mo
Today · 4.125%
HK$124,008
baseline
▲ 0.50% · 4.625%
HK$130,544
+HK$6,536/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,016/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,049 · Scale 2, in force from 26 Feb 2026)