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$58,630
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,853/mo
Today · 4.125%
HK$62,306
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,612/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,225
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,974
−HK$1,775/mo
Today · 4.125%
HK$68,749
baseline
▲ 0.50% · 4.625%
HK$72,373
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,498/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,356
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,544
−HK$2,223/mo
Today · 4.125%
HK$74,767
baseline
▲ 0.50% · 4.625%
HK$79,317
+HK$4,550/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,534/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,270
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,369
−HK$2,130/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$86,847
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,082
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,635
−HK$2,594/mo
Today · 4.125%
HK$87,229
baseline
▲ 0.50% · 4.625%
HK$92,536
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,458/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,315
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,764
−HK$2,484/mo
Today · 4.125%
HK$96,248
baseline
▲ 0.50% · 4.625%
HK$101,322
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,496/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,533
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,816
−HK$3,335/mo
Today · 4.125%
HK$112,151
baseline
▲ 0.50% · 4.625%
HK$118,975
+HK$6,824/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,302/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,405
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,554
−HK$3,194/mo
Today · 4.125%
HK$123,748
baseline
▲ 0.50% · 4.625%
HK$130,271
+HK$6,523/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,496/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,755 · Scale 2, in force from 26 Feb 2026)