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$58,722
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,549
−HK$1,855/mo
Today · 4.125%
HK$62,404
baseline
▲ 0.50% · 4.625%
HK$66,201
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,808/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,328
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$1,777/mo
Today · 4.125%
HK$68,857
baseline
▲ 0.50% · 4.625%
HK$72,487
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,714/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,466
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,658
−HK$2,227/mo
Today · 4.125%
HK$74,885
baseline
▲ 0.50% · 4.625%
HK$79,442
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,770/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,393
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,496
−HK$2,132/mo
Today · 4.125%
HK$82,628
baseline
▲ 0.50% · 4.625%
HK$86,984
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,256/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,211
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,768
−HK$2,598/mo
Today · 4.125%
HK$87,366
baseline
▲ 0.50% · 4.625%
HK$92,682
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,732/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,459
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,911
−HK$2,489/mo
Today · 4.125%
HK$96,400
baseline
▲ 0.50% · 4.625%
HK$101,481
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,800/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,700
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,987
−HK$3,341/mo
Today · 4.125%
HK$112,328
baseline
▲ 0.50% · 4.625%
HK$119,163
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,656/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,590
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,743
−HK$3,200/mo
Today · 4.125%
HK$123,943
baseline
▲ 0.50% · 4.625%
HK$130,476
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,886/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,475 · Scale 2, in force from 26 Feb 2026)