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$58,769
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,597
−HK$1,857/mo
Today · 4.125%
HK$62,454
baseline
▲ 0.50% · 4.625%
HK$66,255
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,908/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,380
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,134
−HK$1,778/mo
Today · 4.125%
HK$68,912
baseline
▲ 0.50% · 4.625%
HK$72,545
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,824/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,523
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,717
−HK$2,228/mo
Today · 4.125%
HK$74,945
baseline
▲ 0.50% · 4.625%
HK$79,506
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,890/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,456
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,560
−HK$2,135/mo
Today · 4.125%
HK$82,695
baseline
▲ 0.50% · 4.625%
HK$87,054
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,390/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,277
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,836
−HK$2,600/mo
Today · 4.125%
HK$87,436
baseline
▲ 0.50% · 4.625%
HK$92,757
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,872/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,532
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,987
−HK$2,490/mo
Today · 4.125%
HK$96,477
baseline
▲ 0.50% · 4.625%
HK$101,563
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,954/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,784
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,075
−HK$3,343/mo
Today · 4.125%
HK$112,418
baseline
▲ 0.50% · 4.625%
HK$119,258
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,836/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,684
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,840
−HK$3,202/mo
Today · 4.125%
HK$124,042
baseline
▲ 0.50% · 4.625%
HK$130,581
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,084/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,355 · Scale 2, in force from 26 Feb 2026)