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$58,633
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,852/mo
Today · 4.125%
HK$62,309
baseline
▲ 0.50% · 4.625%
HK$66,101
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,618/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,228
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,978
−HK$1,774/mo
Today · 4.125%
HK$68,752
baseline
▲ 0.50% · 4.625%
HK$72,376
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,504/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,359
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,548
−HK$2,223/mo
Today · 4.125%
HK$74,771
baseline
▲ 0.50% · 4.625%
HK$79,321
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,542/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,274
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,373
−HK$2,130/mo
Today · 4.125%
HK$82,503
baseline
▲ 0.50% · 4.625%
HK$86,852
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,006/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,086
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,639
−HK$2,594/mo
Today · 4.125%
HK$87,233
baseline
▲ 0.50% · 4.625%
HK$92,541
+HK$5,308/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,466/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,320
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,769
−HK$2,484/mo
Today · 4.125%
HK$96,253
baseline
▲ 0.50% · 4.625%
HK$101,327
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,506/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,539
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,822
−HK$3,335/mo
Today · 4.125%
HK$112,157
baseline
▲ 0.50% · 4.625%
HK$118,982
+HK$6,825/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,314/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,411
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,560
−HK$3,194/mo
Today · 4.125%
HK$123,754
baseline
▲ 0.50% · 4.625%
HK$130,278
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,508/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,812 · Scale 2, in force from 26 Feb 2026)