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$58,764
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,857/mo
Today · 4.125%
HK$62,449
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,898/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$1,778/mo
Today · 4.125%
HK$68,906
baseline
▲ 0.50% · 4.625%
HK$72,539
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,812/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,517
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,710
−HK$2,229/mo
Today · 4.125%
HK$74,939
baseline
▲ 0.50% · 4.625%
HK$79,499
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,878/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,449
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,553
−HK$2,135/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,046
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,376/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,270
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,829
−HK$2,600/mo
Today · 4.125%
HK$87,429
baseline
▲ 0.50% · 4.625%
HK$92,749
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,858/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,524
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,979
−HK$2,490/mo
Today · 4.125%
HK$96,469
baseline
▲ 0.50% · 4.625%
HK$101,554
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,938/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,775
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,066
−HK$3,342/mo
Today · 4.125%
HK$112,408
baseline
▲ 0.50% · 4.625%
HK$119,248
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,816/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,674
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,830
−HK$3,202/mo
Today · 4.125%
HK$124,032
baseline
▲ 0.50% · 4.625%
HK$130,569
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,064/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,260 · Scale 2, in force from 26 Feb 2026)