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$58,823
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,653
−HK$1,859/mo
Today · 4.125%
HK$62,512
baseline
▲ 0.50% · 4.625%
HK$66,316
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,024/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,441
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,196
−HK$1,780/mo
Today · 4.125%
HK$68,976
baseline
▲ 0.50% · 4.625%
HK$72,612
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,952/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,588
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,784
−HK$2,231/mo
Today · 4.125%
HK$75,015
baseline
▲ 0.50% · 4.625%
HK$79,579
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,030/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,529
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,635
−HK$2,136/mo
Today · 4.125%
HK$82,771
baseline
▲ 0.50% · 4.625%
HK$87,134
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,542/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,353
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,915
−HK$2,602/mo
Today · 4.125%
HK$87,517
baseline
▲ 0.50% · 4.625%
HK$92,842
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,034/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,617
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,074
−HK$2,493/mo
Today · 4.125%
HK$96,567
baseline
▲ 0.50% · 4.625%
HK$101,657
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,134/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,882
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,176
−HK$3,346/mo
Today · 4.125%
HK$112,522
baseline
▲ 0.50% · 4.625%
HK$119,369
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,044/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,793
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,952
−HK$3,205/mo
Today · 4.125%
HK$124,157
baseline
▲ 0.50% · 4.625%
HK$130,701
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,314/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,368 · Scale 2, in force from 26 Feb 2026)