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$58,552
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,374
−HK$1,850/mo
Today · 4.125%
HK$62,224
baseline
▲ 0.50% · 4.625%
HK$66,010
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,448/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,139
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,886
−HK$1,772/mo
Today · 4.125%
HK$68,658
baseline
▲ 0.50% · 4.625%
HK$72,277
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,316/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,263
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,448
−HK$2,221/mo
Today · 4.125%
HK$74,669
baseline
▲ 0.50% · 4.625%
HK$79,212
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,338/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,263
−HK$2,127/mo
Today · 4.125%
HK$82,390
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,780/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,973
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,523
−HK$2,591/mo
Today · 4.125%
HK$87,114
baseline
▲ 0.50% · 4.625%
HK$92,414
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,228/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,194
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,640
−HK$2,481/mo
Today · 4.125%
HK$96,121
baseline
▲ 0.50% · 4.625%
HK$101,188
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,242/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,394
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,672
−HK$3,331/mo
Today · 4.125%
HK$112,003
baseline
▲ 0.50% · 4.625%
HK$118,818
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,006/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,250
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,394
−HK$3,191/mo
Today · 4.125%
HK$123,585
baseline
▲ 0.50% · 4.625%
HK$130,099
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,170/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,313 · Scale 2, in force from 26 Feb 2026)