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$58,664
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,489
−HK$1,854/mo
Today · 4.125%
HK$62,343
baseline
▲ 0.50% · 4.625%
HK$66,136
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,686/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,263
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,013
−HK$1,776/mo
Today · 4.125%
HK$68,789
baseline
▲ 0.50% · 4.625%
HK$72,415
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,578/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,397
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,587
−HK$2,224/mo
Today · 4.125%
HK$74,811
baseline
▲ 0.50% · 4.625%
HK$79,363
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,622/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,316
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,416
−HK$2,131/mo
Today · 4.125%
HK$82,547
baseline
▲ 0.50% · 4.625%
HK$86,898
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,094/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,130
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,684
−HK$2,596/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$92,591
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,368
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,819
−HK$2,486/mo
Today · 4.125%
HK$96,305
baseline
▲ 0.50% · 4.625%
HK$101,381
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,610/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,595
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,880
−HK$3,337/mo
Today · 4.125%
HK$112,217
baseline
▲ 0.50% · 4.625%
HK$119,045
+HK$6,828/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,434/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,474
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,624
−HK$3,196/mo
Today · 4.125%
HK$123,820
baseline
▲ 0.50% · 4.625%
HK$130,347
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,640/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,395 · Scale 2, in force from 26 Feb 2026)