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$58,771
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,599
−HK$1,858/mo
Today · 4.125%
HK$62,457
baseline
▲ 0.50% · 4.625%
HK$66,257
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,914/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,382
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,136
−HK$1,779/mo
Today · 4.125%
HK$68,915
baseline
▲ 0.50% · 4.625%
HK$72,547
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,830/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,525
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,719
−HK$2,229/mo
Today · 4.125%
HK$74,948
baseline
▲ 0.50% · 4.625%
HK$79,508
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,896/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,459
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,563
−HK$2,135/mo
Today · 4.125%
HK$82,698
baseline
▲ 0.50% · 4.625%
HK$87,057
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,396/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,280
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,839
−HK$2,600/mo
Today · 4.125%
HK$87,439
baseline
▲ 0.50% · 4.625%
HK$92,760
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,878/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,535
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,990
−HK$2,491/mo
Today · 4.125%
HK$96,481
baseline
▲ 0.50% · 4.625%
HK$101,566
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,962/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,788
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,079
−HK$3,343/mo
Today · 4.125%
HK$112,422
baseline
▲ 0.50% · 4.625%
HK$119,263
+HK$6,841/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,844/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,688
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,845
−HK$3,202/mo
Today · 4.125%
HK$124,047
baseline
▲ 0.50% · 4.625%
HK$130,585
+HK$6,538/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,094/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,394 · Scale 2, in force from 26 Feb 2026)