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$58,775
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,604
−HK$1,857/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$66,262
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,387
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,141
−HK$1,779/mo
Today · 4.125%
HK$68,920
baseline
▲ 0.50% · 4.625%
HK$72,552
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,840/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,724
−HK$2,229/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$79,514
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,464
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,569
−HK$2,135/mo
Today · 4.125%
HK$82,704
baseline
▲ 0.50% · 4.625%
HK$87,063
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,408/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,285
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,845
−HK$2,601/mo
Today · 4.125%
HK$87,446
baseline
▲ 0.50% · 4.625%
HK$92,766
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,892/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,542
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,997
−HK$2,490/mo
Today · 4.125%
HK$96,487
baseline
▲ 0.50% · 4.625%
HK$101,573
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,974/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,796
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,086
−HK$3,344/mo
Today · 4.125%
HK$112,430
baseline
▲ 0.50% · 4.625%
HK$119,271
+HK$6,841/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,860/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,697
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,853
−HK$3,202/mo
Today · 4.125%
HK$124,055
baseline
▲ 0.50% · 4.625%
HK$130,594
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,110/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,470 · Scale 2, in force from 26 Feb 2026)