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$58,562
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,383
−HK$1,851/mo
Today · 4.125%
HK$62,234
baseline
▲ 0.50% · 4.625%
HK$66,021
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,468/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,149
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,897
−HK$1,772/mo
Today · 4.125%
HK$68,669
baseline
▲ 0.50% · 4.625%
HK$72,289
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,338/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,274
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$2,221/mo
Today · 4.125%
HK$74,681
baseline
▲ 0.50% · 4.625%
HK$79,225
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,362/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,179
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,276
−HK$2,127/mo
Today · 4.125%
HK$82,403
baseline
▲ 0.50% · 4.625%
HK$86,747
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,806/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,986
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,537
−HK$2,591/mo
Today · 4.125%
HK$87,128
baseline
▲ 0.50% · 4.625%
HK$92,429
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,256/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,209
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,655
−HK$2,482/mo
Today · 4.125%
HK$96,137
baseline
▲ 0.50% · 4.625%
HK$101,204
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,274/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,411
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,690
−HK$3,331/mo
Today · 4.125%
HK$112,021
baseline
▲ 0.50% · 4.625%
HK$118,838
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,042/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,269
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,414
−HK$3,191/mo
Today · 4.125%
HK$123,605
baseline
▲ 0.50% · 4.625%
HK$130,120
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,210/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,489 · Scale 2, in force from 26 Feb 2026)