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$58,650
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,474
−HK$1,854/mo
Today · 4.125%
HK$62,328
baseline
▲ 0.50% · 4.625%
HK$66,120
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,656/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,247
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$66,997
−HK$1,776/mo
Today · 4.125%
HK$68,773
baseline
▲ 0.50% · 4.625%
HK$72,398
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,546/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,380
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,569
−HK$2,224/mo
Today · 4.125%
HK$74,793
baseline
▲ 0.50% · 4.625%
HK$79,344
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,586/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,297
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,397
−HK$2,130/mo
Today · 4.125%
HK$82,527
baseline
▲ 0.50% · 4.625%
HK$86,877
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,054/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,110
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,664
−HK$2,595/mo
Today · 4.125%
HK$87,259
baseline
▲ 0.50% · 4.625%
HK$92,568
+HK$5,309/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,518/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,346
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,796
−HK$2,486/mo
Today · 4.125%
HK$96,282
baseline
▲ 0.50% · 4.625%
HK$101,357
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,564/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,570
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,854
−HK$3,336/mo
Today · 4.125%
HK$112,190
baseline
▲ 0.50% · 4.625%
HK$119,016
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,380/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,445
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,595
−HK$3,196/mo
Today · 4.125%
HK$123,791
baseline
▲ 0.50% · 4.625%
HK$130,316
+HK$6,525/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,582/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,132 · Scale 2, in force from 26 Feb 2026)