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$58,609
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,432
−HK$1,852/mo
Today · 4.125%
HK$62,284
baseline
▲ 0.50% · 4.625%
HK$66,074
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,568/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,202
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,951
−HK$1,774/mo
Today · 4.125%
HK$68,725
baseline
▲ 0.50% · 4.625%
HK$72,347
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,450/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,331
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,519
−HK$2,222/mo
Today · 4.125%
HK$74,741
baseline
▲ 0.50% · 4.625%
HK$79,289
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,482/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,242
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,341
−HK$2,129/mo
Today · 4.125%
HK$82,470
baseline
▲ 0.50% · 4.625%
HK$86,817
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,940/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,053
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,605
−HK$2,593/mo
Today · 4.125%
HK$87,198
baseline
▲ 0.50% · 4.625%
HK$92,504
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,396/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,283
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,731
−HK$2,483/mo
Today · 4.125%
HK$96,214
baseline
▲ 0.50% · 4.625%
HK$101,286
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,428/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,496
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,778
−HK$3,334/mo
Today · 4.125%
HK$112,112
baseline
▲ 0.50% · 4.625%
HK$118,934
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,224/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,364
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,511
−HK$3,193/mo
Today · 4.125%
HK$123,704
baseline
▲ 0.50% · 4.625%
HK$130,225
+HK$6,521/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,408/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,370 · Scale 2, in force from 26 Feb 2026)