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$58,788
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,617
−HK$1,858/mo
Today · 4.125%
HK$62,475
baseline
▲ 0.50% · 4.625%
HK$66,276
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,950/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,401
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$1,780/mo
Today · 4.125%
HK$68,935
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,870/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,546
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,740
−HK$2,230/mo
Today · 4.125%
HK$74,970
baseline
▲ 0.50% · 4.625%
HK$79,531
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,940/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,481
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,586
−HK$2,135/mo
Today · 4.125%
HK$82,721
baseline
▲ 0.50% · 4.625%
HK$87,082
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,442/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,303
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,863
−HK$2,601/mo
Today · 4.125%
HK$87,464
baseline
▲ 0.50% · 4.625%
HK$92,786
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,928/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,562
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,017
−HK$2,491/mo
Today · 4.125%
HK$96,508
baseline
▲ 0.50% · 4.625%
HK$101,595
+HK$5,087/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,016/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,819
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,110
−HK$3,344/mo
Today · 4.125%
HK$112,454
baseline
▲ 0.50% · 4.625%
HK$119,297
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,908/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,722
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,879
−HK$3,203/mo
Today · 4.125%
HK$124,082
baseline
▲ 0.50% · 4.625%
HK$130,623
+HK$6,541/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,164/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,707 · Scale 2, in force from 26 Feb 2026)