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$58,660
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,484
−HK$1,854/mo
Today · 4.125%
HK$62,338
baseline
▲ 0.50% · 4.625%
HK$66,131
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,676/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,258
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,008
−HK$1,776/mo
Today · 4.125%
HK$68,784
baseline
▲ 0.50% · 4.625%
HK$72,409
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,568/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,391
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,581
−HK$2,225/mo
Today · 4.125%
HK$74,806
baseline
▲ 0.50% · 4.625%
HK$79,357
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,612/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,310
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,410
−HK$2,131/mo
Today · 4.125%
HK$82,541
baseline
▲ 0.50% · 4.625%
HK$86,891
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,082/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,123
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,678
−HK$2,595/mo
Today · 4.125%
HK$87,273
baseline
▲ 0.50% · 4.625%
HK$92,584
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,546/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,361
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,812
−HK$2,485/mo
Today · 4.125%
HK$96,297
baseline
▲ 0.50% · 4.625%
HK$101,373
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,594/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,587
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,871
−HK$3,337/mo
Today · 4.125%
HK$112,208
baseline
▲ 0.50% · 4.625%
HK$119,036
+HK$6,828/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,416/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,465
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,615
−HK$3,196/mo
Today · 4.125%
HK$123,811
baseline
▲ 0.50% · 4.625%
HK$130,337
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,622/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,311 · Scale 2, in force from 26 Feb 2026)