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$58,637
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,461
−HK$1,853/mo
Today · 4.125%
HK$62,314
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,628/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,233
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,983
−HK$1,775/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,382
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,365
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,554
−HK$2,223/mo
Today · 4.125%
HK$74,777
baseline
▲ 0.50% · 4.625%
HK$79,327
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,554/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,280
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,380
−HK$2,129/mo
Today · 4.125%
HK$82,509
baseline
▲ 0.50% · 4.625%
HK$86,859
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,018/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,092
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,646
−HK$2,594/mo
Today · 4.125%
HK$87,240
baseline
▲ 0.50% · 4.625%
HK$92,549
+HK$5,309/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,480/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,327
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,776
−HK$2,485/mo
Today · 4.125%
HK$96,261
baseline
▲ 0.50% · 4.625%
HK$101,335
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,522/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,547
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,830
−HK$3,336/mo
Today · 4.125%
HK$112,166
baseline
▲ 0.50% · 4.625%
HK$118,991
+HK$6,825/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,332/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,420
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,569
−HK$3,195/mo
Today · 4.125%
HK$123,764
baseline
▲ 0.50% · 4.625%
HK$130,288
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,528/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,898 · Scale 2, in force from 26 Feb 2026)