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$58,672
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,497
−HK$1,854/mo
Today · 4.125%
HK$62,351
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,702/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,272
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,022
−HK$1,776/mo
Today · 4.125%
HK$68,798
baseline
▲ 0.50% · 4.625%
HK$72,425
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,596/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,406
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,596
−HK$2,225/mo
Today · 4.125%
HK$74,821
baseline
▲ 0.50% · 4.625%
HK$79,374
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,642/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,326
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,427
−HK$2,131/mo
Today · 4.125%
HK$82,558
baseline
▲ 0.50% · 4.625%
HK$86,910
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,116/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,141
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,696
−HK$2,596/mo
Today · 4.125%
HK$87,292
baseline
▲ 0.50% · 4.625%
HK$92,603
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,584/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,381
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,831
−HK$2,487/mo
Today · 4.125%
HK$96,318
baseline
▲ 0.50% · 4.625%
HK$101,395
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,636/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,609
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,894
−HK$3,338/mo
Today · 4.125%
HK$112,232
baseline
▲ 0.50% · 4.625%
HK$119,061
+HK$6,829/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,464/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,489
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,640
−HK$3,197/mo
Today · 4.125%
HK$123,837
baseline
▲ 0.50% · 4.625%
HK$130,364
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,674/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,541 · Scale 2, in force from 26 Feb 2026)