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$58,628
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,451
−HK$1,853/mo
Today · 4.125%
HK$62,304
baseline
▲ 0.50% · 4.625%
HK$66,095
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,608/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,223
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,972
−HK$1,775/mo
Today · 4.125%
HK$68,747
baseline
▲ 0.50% · 4.625%
HK$72,370
+HK$3,623/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,494/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,353
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,542
−HK$2,223/mo
Today · 4.125%
HK$74,765
baseline
▲ 0.50% · 4.625%
HK$79,314
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,530/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,267
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,366
−HK$2,130/mo
Today · 4.125%
HK$82,496
baseline
▲ 0.50% · 4.625%
HK$86,844
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,992/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,079
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,632
−HK$2,594/mo
Today · 4.125%
HK$87,226
baseline
▲ 0.50% · 4.625%
HK$92,533
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,452/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,312
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,761
−HK$2,484/mo
Today · 4.125%
HK$96,245
baseline
▲ 0.50% · 4.625%
HK$101,318
+HK$5,073/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,490/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,530
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,812
−HK$3,336/mo
Today · 4.125%
HK$112,148
baseline
▲ 0.50% · 4.625%
HK$118,971
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,296/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,401
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,550
−HK$3,194/mo
Today · 4.125%
HK$123,744
baseline
▲ 0.50% · 4.625%
HK$130,266
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,488/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,719 · Scale 2, in force from 26 Feb 2026)