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$58,558
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,380
−HK$1,850/mo
Today · 4.125%
HK$62,230
baseline
▲ 0.50% · 4.625%
HK$66,017
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,460/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,145
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,893
−HK$1,772/mo
Today · 4.125%
HK$68,665
baseline
▲ 0.50% · 4.625%
HK$72,284
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,330/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,270
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,456
−HK$2,220/mo
Today · 4.125%
HK$74,676
baseline
▲ 0.50% · 4.625%
HK$79,220
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,352/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,174
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,271
−HK$2,127/mo
Today · 4.125%
HK$82,398
baseline
▲ 0.50% · 4.625%
HK$86,741
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,796/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,981
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,531
−HK$2,591/mo
Today · 4.125%
HK$87,122
baseline
▲ 0.50% · 4.625%
HK$92,424
+HK$5,302/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,244/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,203
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,650
−HK$2,481/mo
Today · 4.125%
HK$96,131
baseline
▲ 0.50% · 4.625%
HK$101,198
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,262/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,405
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,683
−HK$3,331/mo
Today · 4.125%
HK$112,014
baseline
▲ 0.50% · 4.625%
HK$118,830
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,028/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,262
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,407
−HK$3,190/mo
Today · 4.125%
HK$123,597
baseline
▲ 0.50% · 4.625%
HK$130,112
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,194/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,422 · Scale 2, in force from 26 Feb 2026)