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$58,718
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,544
−HK$1,856/mo
Today · 4.125%
HK$62,400
baseline
▲ 0.50% · 4.625%
HK$66,197
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,800/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,323
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,075
−HK$1,777/mo
Today · 4.125%
HK$68,852
baseline
▲ 0.50% · 4.625%
HK$72,482
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,704/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,462
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,653
−HK$2,227/mo
Today · 4.125%
HK$74,880
baseline
▲ 0.50% · 4.625%
HK$79,436
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,760/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,388
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,490
−HK$2,133/mo
Today · 4.125%
HK$82,623
baseline
▲ 0.50% · 4.625%
HK$86,978
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,246/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,205
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,762
−HK$2,598/mo
Today · 4.125%
HK$87,360
baseline
▲ 0.50% · 4.625%
HK$92,676
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,720/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,452
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,905
−HK$2,488/mo
Today · 4.125%
HK$96,393
baseline
▲ 0.50% · 4.625%
HK$101,474
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,786/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,692
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,980
−HK$3,340/mo
Today · 4.125%
HK$112,320
baseline
▲ 0.50% · 4.625%
HK$119,155
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,640/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,582
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,735
−HK$3,199/mo
Today · 4.125%
HK$123,934
baseline
▲ 0.50% · 4.625%
HK$130,467
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,868/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,401 · Scale 2, in force from 26 Feb 2026)