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$58,605
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,852/mo
Today · 4.125%
HK$62,280
baseline
▲ 0.50% · 4.625%
HK$66,069
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,560/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,197
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,946
−HK$1,773/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,342
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,326
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,513
−HK$2,223/mo
Today · 4.125%
HK$74,736
baseline
▲ 0.50% · 4.625%
HK$79,283
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,472/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,236
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,335
−HK$2,128/mo
Today · 4.125%
HK$82,463
baseline
▲ 0.50% · 4.625%
HK$86,810
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,926/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,046
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,599
−HK$2,592/mo
Today · 4.125%
HK$87,191
baseline
▲ 0.50% · 4.625%
HK$92,497
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,382/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,276
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,724
−HK$2,483/mo
Today · 4.125%
HK$96,207
baseline
▲ 0.50% · 4.625%
HK$101,278
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,414/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,488
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,770
−HK$3,333/mo
Today · 4.125%
HK$112,103
baseline
▲ 0.50% · 4.625%
HK$118,925
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,206/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,355
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,502
−HK$3,193/mo
Today · 4.125%
HK$123,695
baseline
▲ 0.50% · 4.625%
HK$130,215
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,390/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,288 · Scale 2, in force from 26 Feb 2026)