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$58,703
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,529
−HK$1,855/mo
Today · 4.125%
HK$62,384
baseline
▲ 0.50% · 4.625%
HK$66,180
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,768/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,306
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,057
−HK$1,777/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$72,463
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,443
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,634
−HK$2,226/mo
Today · 4.125%
HK$74,860
baseline
▲ 0.50% · 4.625%
HK$79,416
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,720/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,367
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,469
−HK$2,132/mo
Today · 4.125%
HK$82,601
baseline
▲ 0.50% · 4.625%
HK$86,955
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,202/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,184
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,740
−HK$2,597/mo
Today · 4.125%
HK$87,337
baseline
▲ 0.50% · 4.625%
HK$92,651
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,674/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,428
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,880
−HK$2,488/mo
Today · 4.125%
HK$96,368
baseline
▲ 0.50% · 4.625%
HK$101,448
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,736/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,665
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,951
−HK$3,340/mo
Today · 4.125%
HK$112,291
baseline
▲ 0.50% · 4.625%
HK$119,123
+HK$6,832/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,582/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,551
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,703
−HK$3,199/mo
Today · 4.125%
HK$123,902
baseline
▲ 0.50% · 4.625%
HK$130,433
+HK$6,531/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,804/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,113 · Scale 2, in force from 26 Feb 2026)