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$58,688
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,513
−HK$1,855/mo
Today · 4.125%
HK$62,368
baseline
▲ 0.50% · 4.625%
HK$66,163
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,736/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,040
−HK$1,777/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$72,444
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,425
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,616
−HK$2,225/mo
Today · 4.125%
HK$74,841
baseline
▲ 0.50% · 4.625%
HK$79,395
+HK$4,554/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,682/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,347
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,448
−HK$2,132/mo
Today · 4.125%
HK$82,580
baseline
▲ 0.50% · 4.625%
HK$86,933
+HK$4,353/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,160/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,163
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,718
−HK$2,597/mo
Today · 4.125%
HK$87,315
baseline
▲ 0.50% · 4.625%
HK$92,628
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,630/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,405
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,857
−HK$2,486/mo
Today · 4.125%
HK$96,343
baseline
▲ 0.50% · 4.625%
HK$101,422
+HK$5,079/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,686/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,638
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,924
−HK$3,338/mo
Today · 4.125%
HK$112,262
baseline
▲ 0.50% · 4.625%
HK$119,093
+HK$6,831/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,524/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,521
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,673
−HK$3,197/mo
Today · 4.125%
HK$123,870
baseline
▲ 0.50% · 4.625%
HK$130,399
+HK$6,529/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,740/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,835 · Scale 2, in force from 26 Feb 2026)