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$58,665
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,490
−HK$1,854/mo
Today · 4.125%
HK$62,344
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,794/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,688/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,265
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$1,776/mo
Today · 4.125%
HK$68,791
baseline
▲ 0.50% · 4.625%
HK$72,417
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,582/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,399
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,588
−HK$2,225/mo
Today · 4.125%
HK$74,813
baseline
▲ 0.50% · 4.625%
HK$79,365
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,626/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,318
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,418
−HK$2,131/mo
Today · 4.125%
HK$82,549
baseline
▲ 0.50% · 4.625%
HK$86,900
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,098/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,132
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,686
−HK$2,596/mo
Today · 4.125%
HK$87,282
baseline
▲ 0.50% · 4.625%
HK$92,593
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,564/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,371
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,821
−HK$2,486/mo
Today · 4.125%
HK$96,307
baseline
▲ 0.50% · 4.625%
HK$101,384
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,614/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,598
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,882
−HK$3,338/mo
Today · 4.125%
HK$112,220
baseline
▲ 0.50% · 4.625%
HK$119,048
+HK$6,828/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,440/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,476
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,627
−HK$3,196/mo
Today · 4.125%
HK$123,823
baseline
▲ 0.50% · 4.625%
HK$130,350
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,646/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,422 · Scale 2, in force from 26 Feb 2026)