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$58,699
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,855/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$66,176
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,303
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,054
−HK$1,777/mo
Today · 4.125%
HK$68,831
baseline
▲ 0.50% · 4.625%
HK$72,459
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,662/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,439
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,630
−HK$2,227/mo
Today · 4.125%
HK$74,857
baseline
▲ 0.50% · 4.625%
HK$79,411
+HK$4,554/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,714/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,363
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,465
−HK$2,132/mo
Today · 4.125%
HK$82,597
baseline
▲ 0.50% · 4.625%
HK$86,951
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,194/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,179
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,735
−HK$2,598/mo
Today · 4.125%
HK$87,333
baseline
▲ 0.50% · 4.625%
HK$92,647
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,666/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,424
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,876
−HK$2,487/mo
Today · 4.125%
HK$96,363
baseline
▲ 0.50% · 4.625%
HK$101,442
+HK$5,079/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,726/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,659
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,946
−HK$3,339/mo
Today · 4.125%
HK$112,285
baseline
▲ 0.50% · 4.625%
HK$119,117
+HK$6,832/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,570/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,545
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,697
−HK$3,198/mo
Today · 4.125%
HK$123,895
baseline
▲ 0.50% · 4.625%
HK$130,426
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,790/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,056 · Scale 2, in force from 26 Feb 2026)