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$58,689
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,515
−HK$1,854/mo
Today · 4.125%
HK$62,369
baseline
▲ 0.50% · 4.625%
HK$66,164
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,738/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,291
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,042
−HK$1,776/mo
Today · 4.125%
HK$68,818
baseline
▲ 0.50% · 4.625%
HK$72,446
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,636/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,427
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,618
−HK$2,225/mo
Today · 4.125%
HK$74,843
baseline
▲ 0.50% · 4.625%
HK$79,397
+HK$4,554/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$149,686/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,349
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,451
−HK$2,131/mo
Today · 4.125%
HK$82,582
baseline
▲ 0.50% · 4.625%
HK$86,935
+HK$4,353/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$165,164/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,165
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,721
−HK$2,596/mo
Today · 4.125%
HK$87,317
baseline
▲ 0.50% · 4.625%
HK$92,630
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,634/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,407
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,859
−HK$2,487/mo
Today · 4.125%
HK$96,346
baseline
▲ 0.50% · 4.625%
HK$101,424
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,692/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,640
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,926
−HK$3,339/mo
Today · 4.125%
HK$112,265
baseline
▲ 0.50% · 4.625%
HK$119,096
+HK$6,831/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,530/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,524
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,676
−HK$3,197/mo
Today · 4.125%
HK$123,873
baseline
▲ 0.50% · 4.625%
HK$130,403
+HK$6,530/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,746/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,863 · Scale 2, in force from 26 Feb 2026)