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$58,755
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,857/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$66,239
+HK$3,800/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,364
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,117
−HK$1,779/mo
Today · 4.125%
HK$68,896
baseline
▲ 0.50% · 4.625%
HK$72,527
+HK$3,631/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,792/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,506
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,699
−HK$2,228/mo
Today · 4.125%
HK$74,927
baseline
▲ 0.50% · 4.625%
HK$79,486
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,854/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,437
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,541
−HK$2,134/mo
Today · 4.125%
HK$82,675
baseline
▲ 0.50% · 4.625%
HK$87,033
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,350/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,257
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,815
−HK$2,600/mo
Today · 4.125%
HK$87,415
baseline
▲ 0.50% · 4.625%
HK$92,734
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,830/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,510
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,964
−HK$2,490/mo
Today · 4.125%
HK$96,454
baseline
▲ 0.50% · 4.625%
HK$101,538
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,908/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,759
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,048
−HK$3,343/mo
Today · 4.125%
HK$112,391
baseline
▲ 0.50% · 4.625%
HK$119,229
+HK$6,838/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,782/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,655
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,811
−HK$3,201/mo
Today · 4.125%
HK$124,012
baseline
▲ 0.50% · 4.625%
HK$130,549
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,024/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,087 · Scale 2, in force from 26 Feb 2026)