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$58,510
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,330
−HK$1,849/mo
Today · 4.125%
HK$62,179
baseline
▲ 0.50% · 4.625%
HK$65,963
+HK$3,784/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,358/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,838
−HK$1,771/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,225
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,212
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,396
−HK$2,219/mo
Today · 4.125%
HK$74,615
baseline
▲ 0.50% · 4.625%
HK$79,156
+HK$4,541/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,230/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,111
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,206
−HK$2,125/mo
Today · 4.125%
HK$82,331
baseline
▲ 0.50% · 4.625%
HK$86,670
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,662/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,915
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,463
−HK$2,588/mo
Today · 4.125%
HK$87,051
baseline
▲ 0.50% · 4.625%
HK$92,348
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,102/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,129
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,573
−HK$2,480/mo
Today · 4.125%
HK$96,053
baseline
▲ 0.50% · 4.625%
HK$101,116
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,106/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,319
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,595
−HK$3,328/mo
Today · 4.125%
HK$111,923
baseline
▲ 0.50% · 4.625%
HK$118,733
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,846/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,166
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,308
−HK$3,188/mo
Today · 4.125%
HK$123,496
baseline
▲ 0.50% · 4.625%
HK$130,006
+HK$6,510/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,992/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,532 · Scale 2, in force from 26 Feb 2026)