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$58,702
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,855/mo
Today · 4.125%
HK$62,383
baseline
▲ 0.50% · 4.625%
HK$66,179
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,766/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,305
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,056
−HK$1,777/mo
Today · 4.125%
HK$68,833
baseline
▲ 0.50% · 4.625%
HK$72,461
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,666/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,442
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,633
−HK$2,226/mo
Today · 4.125%
HK$74,859
baseline
▲ 0.50% · 4.625%
HK$79,414
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,718/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,366
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,468
−HK$2,132/mo
Today · 4.125%
HK$82,600
baseline
▲ 0.50% · 4.625%
HK$86,954
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,200/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,182
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,739
−HK$2,597/mo
Today · 4.125%
HK$87,336
baseline
▲ 0.50% · 4.625%
HK$92,650
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,672/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,427
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,879
−HK$2,487/mo
Today · 4.125%
HK$96,366
baseline
▲ 0.50% · 4.625%
HK$101,446
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,732/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,663
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,950
−HK$3,339/mo
Today · 4.125%
HK$112,289
baseline
▲ 0.50% · 4.625%
HK$119,121
+HK$6,832/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,578/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,549
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,702
−HK$3,198/mo
Today · 4.125%
HK$123,900
baseline
▲ 0.50% · 4.625%
HK$130,431
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,800/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,096 · Scale 2, in force from 26 Feb 2026)