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$58,547
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,368
−HK$1,850/mo
Today · 4.125%
HK$62,218
baseline
▲ 0.50% · 4.625%
HK$66,004
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,436/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$1,772/mo
Today · 4.125%
HK$68,652
baseline
▲ 0.50% · 4.625%
HK$72,270
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,304/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,256
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$2,220/mo
Today · 4.125%
HK$74,662
baseline
▲ 0.50% · 4.625%
HK$79,205
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,324/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,159
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,255
−HK$2,127/mo
Today · 4.125%
HK$82,382
baseline
▲ 0.50% · 4.625%
HK$86,724
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,764/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,966
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,591/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$92,406
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,186
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,631
−HK$2,481/mo
Today · 4.125%
HK$96,112
baseline
▲ 0.50% · 4.625%
HK$101,179
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,224/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,384
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,662
−HK$3,331/mo
Today · 4.125%
HK$111,993
baseline
▲ 0.50% · 4.625%
HK$118,807
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,986/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,239
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,383
−HK$3,190/mo
Today · 4.125%
HK$123,573
baseline
▲ 0.50% · 4.625%
HK$130,087
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,146/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,211 · Scale 2, in force from 26 Feb 2026)