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$58,703
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,529
−HK$1,856/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$66,181
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,307
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,059
−HK$1,776/mo
Today · 4.125%
HK$68,835
baseline
▲ 0.50% · 4.625%
HK$72,464
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,670/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,444
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,635
−HK$2,227/mo
Today · 4.125%
HK$74,862
baseline
▲ 0.50% · 4.625%
HK$79,417
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,724/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,368
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,470
−HK$2,132/mo
Today · 4.125%
HK$82,602
baseline
▲ 0.50% · 4.625%
HK$86,956
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,204/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,185
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,741
−HK$2,598/mo
Today · 4.125%
HK$87,339
baseline
▲ 0.50% · 4.625%
HK$92,653
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,678/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,430
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,882
−HK$2,487/mo
Today · 4.125%
HK$96,369
baseline
▲ 0.50% · 4.625%
HK$101,449
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,738/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,666
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,953
−HK$3,339/mo
Today · 4.125%
HK$112,292
baseline
▲ 0.50% · 4.625%
HK$119,125
+HK$6,833/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,584/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,553
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,705
−HK$3,199/mo
Today · 4.125%
HK$123,904
baseline
▲ 0.50% · 4.625%
HK$130,435
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,808/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,130 · Scale 2, in force from 26 Feb 2026)