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$58,782
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,611
−HK$1,857/mo
Today · 4.125%
HK$62,468
baseline
▲ 0.50% · 4.625%
HK$66,269
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,936/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,395
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,149
−HK$1,779/mo
Today · 4.125%
HK$68,928
baseline
▲ 0.50% · 4.625%
HK$72,561
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,856/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,539
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,733
−HK$2,229/mo
Today · 4.125%
HK$74,962
baseline
▲ 0.50% · 4.625%
HK$79,523
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,924/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,474
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,578
−HK$2,135/mo
Today · 4.125%
HK$82,713
baseline
▲ 0.50% · 4.625%
HK$87,073
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,426/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,295
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,855
−HK$2,601/mo
Today · 4.125%
HK$87,456
baseline
▲ 0.50% · 4.625%
HK$92,777
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,912/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,553
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,008
−HK$2,491/mo
Today · 4.125%
HK$96,499
baseline
▲ 0.50% · 4.625%
HK$101,585
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$192,998/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,808
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,099
−HK$3,344/mo
Today · 4.125%
HK$112,443
baseline
▲ 0.50% · 4.625%
HK$119,285
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,886/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,710
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,867
−HK$3,203/mo
Today · 4.125%
HK$124,070
baseline
▲ 0.50% · 4.625%
HK$130,610
+HK$6,540/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,140/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,599 · Scale 2, in force from 26 Feb 2026)