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$58,763
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,591
−HK$1,857/mo
Today · 4.125%
HK$62,448
baseline
▲ 0.50% · 4.625%
HK$66,247
+HK$3,799/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,896/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,373
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$1,779/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$72,537
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,709
−HK$2,228/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,448
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,551
−HK$2,135/mo
Today · 4.125%
HK$82,686
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,372/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,268
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,827
−HK$2,600/mo
Today · 4.125%
HK$87,427
baseline
▲ 0.50% · 4.625%
HK$92,746
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,854/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,522
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,977
−HK$2,490/mo
Today · 4.125%
HK$96,467
baseline
▲ 0.50% · 4.625%
HK$101,552
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,934/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,773
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$3,343/mo
Today · 4.125%
HK$112,406
baseline
▲ 0.50% · 4.625%
HK$119,245
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,812/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,671
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,827
−HK$3,202/mo
Today · 4.125%
HK$124,029
baseline
▲ 0.50% · 4.625%
HK$130,566
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,058/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,235 · Scale 2, in force from 26 Feb 2026)