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$58,577
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,399
−HK$1,852/mo
Today · 4.125%
HK$62,251
baseline
▲ 0.50% · 4.625%
HK$66,038
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,502/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,167
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$1,773/mo
Today · 4.125%
HK$68,687
baseline
▲ 0.50% · 4.625%
HK$72,308
+HK$3,621/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,374/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,293
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,479
−HK$2,222/mo
Today · 4.125%
HK$74,701
baseline
▲ 0.50% · 4.625%
HK$79,246
+HK$4,545/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$149,402/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,200
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,297
−HK$2,128/mo
Today · 4.125%
HK$82,425
baseline
▲ 0.50% · 4.625%
HK$86,770
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.41M · min. income ≈ HK$164,850/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,008
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,559
−HK$2,592/mo
Today · 4.125%
HK$87,151
baseline
▲ 0.50% · 4.625%
HK$92,454
+HK$5,303/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,302/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,233
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,680
−HK$2,482/mo
Today · 4.125%
HK$96,162
baseline
▲ 0.50% · 4.625%
HK$101,231
+HK$5,069/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,324/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,439
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,719
−HK$3,332/mo
Today · 4.125%
HK$112,051
baseline
▲ 0.50% · 4.625%
HK$118,869
+HK$6,818/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,102/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,300
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,446
−HK$3,191/mo
Today · 4.125%
HK$123,637
baseline
▲ 0.50% · 4.625%
HK$130,154
+HK$6,517/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,274/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,779 · Scale 2, in force from 26 Feb 2026)