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$58,773
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,601
−HK$1,857/mo
Today · 4.125%
HK$62,458
baseline
▲ 0.50% · 4.625%
HK$66,259
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,916/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,384
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,138
−HK$1,779/mo
Today · 4.125%
HK$68,917
baseline
▲ 0.50% · 4.625%
HK$72,549
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,834/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,527
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,721
−HK$2,229/mo
Today · 4.125%
HK$74,950
baseline
▲ 0.50% · 4.625%
HK$79,511
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,900/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,461
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,565
−HK$2,135/mo
Today · 4.125%
HK$82,700
baseline
▲ 0.50% · 4.625%
HK$87,059
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,400/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,282
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,841
−HK$2,601/mo
Today · 4.125%
HK$87,442
baseline
▲ 0.50% · 4.625%
HK$92,762
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,884/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,538
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,993
−HK$2,490/mo
Today · 4.125%
HK$96,483
baseline
▲ 0.50% · 4.625%
HK$101,569
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,966/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,791
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,082
−HK$3,343/mo
Today · 4.125%
HK$112,425
baseline
▲ 0.50% · 4.625%
HK$119,266
+HK$6,841/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,850/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,692
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,848
−HK$3,202/mo
Today · 4.125%
HK$124,050
baseline
▲ 0.50% · 4.625%
HK$130,589
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,100/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,424 · Scale 2, in force from 26 Feb 2026)