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$58,584
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,406
−HK$1,851/mo
Today · 4.125%
HK$62,257
baseline
▲ 0.50% · 4.625%
HK$66,046
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,514/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,174
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,922
−HK$1,773/mo
Today · 4.125%
HK$68,695
baseline
▲ 0.50% · 4.625%
HK$72,316
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,390/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,300
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,487
−HK$2,222/mo
Today · 4.125%
HK$74,709
baseline
▲ 0.50% · 4.625%
HK$79,255
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,418/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,208
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,306
−HK$2,128/mo
Today · 4.125%
HK$82,434
baseline
▲ 0.50% · 4.625%
HK$86,779
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,868/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,017
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,568
−HK$2,592/mo
Today · 4.125%
HK$87,160
baseline
▲ 0.50% · 4.625%
HK$92,464
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,320/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,243
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,690
−HK$2,483/mo
Today · 4.125%
HK$96,173
baseline
▲ 0.50% · 4.625%
HK$101,242
+HK$5,069/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,346/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,451
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,731
−HK$3,332/mo
Today · 4.125%
HK$112,063
baseline
▲ 0.50% · 4.625%
HK$118,882
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,126/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,313
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,459
−HK$3,192/mo
Today · 4.125%
HK$123,651
baseline
▲ 0.50% · 4.625%
HK$130,168
+HK$6,517/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,302/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,897 · Scale 2, in force from 26 Feb 2026)