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$58,627
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,450
−HK$1,853/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$66,094
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,222
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$1,774/mo
Today · 4.125%
HK$68,745
baseline
▲ 0.50% · 4.625%
HK$72,369
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,490/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,352
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,540
−HK$2,224/mo
Today · 4.125%
HK$74,764
baseline
▲ 0.50% · 4.625%
HK$79,313
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,528/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,266
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,365
−HK$2,129/mo
Today · 4.125%
HK$82,494
baseline
▲ 0.50% · 4.625%
HK$86,843
+HK$4,349/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,988/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,077
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,631
−HK$2,593/mo
Today · 4.125%
HK$87,224
baseline
▲ 0.50% · 4.625%
HK$92,532
+HK$5,308/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,448/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,310
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,759
−HK$2,485/mo
Today · 4.125%
HK$96,244
baseline
▲ 0.50% · 4.625%
HK$101,317
+HK$5,073/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,488/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,528
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,811
−HK$3,335/mo
Today · 4.125%
HK$112,146
baseline
▲ 0.50% · 4.625%
HK$118,969
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,292/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,399
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,548
−HK$3,194/mo
Today · 4.125%
HK$123,742
baseline
▲ 0.50% · 4.625%
HK$130,264
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,484/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,701 · Scale 2, in force from 26 Feb 2026)