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$58,564
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,851/mo
Today · 4.125%
HK$62,237
baseline
▲ 0.50% · 4.625%
HK$66,024
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,474/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,152
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,899
−HK$1,773/mo
Today · 4.125%
HK$68,672
baseline
▲ 0.50% · 4.625%
HK$72,292
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,344/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,277
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,463
−HK$2,221/mo
Today · 4.125%
HK$74,684
baseline
▲ 0.50% · 4.625%
HK$79,228
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,368/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,183
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,279
−HK$2,127/mo
Today · 4.125%
HK$82,406
baseline
▲ 0.50% · 4.625%
HK$86,750
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,812/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,990
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,540
−HK$2,591/mo
Today · 4.125%
HK$87,131
baseline
▲ 0.50% · 4.625%
HK$92,433
+HK$5,302/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,262/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,213
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,659
−HK$2,482/mo
Today · 4.125%
HK$96,141
baseline
▲ 0.50% · 4.625%
HK$101,209
+HK$5,068/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,282/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,416
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,695
−HK$3,331/mo
Today · 4.125%
HK$112,026
baseline
▲ 0.50% · 4.625%
HK$118,843
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,052/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,274
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,419
−HK$3,191/mo
Today · 4.125%
HK$123,610
baseline
▲ 0.50% · 4.625%
HK$130,125
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,220/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,535 · Scale 2, in force from 26 Feb 2026)