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$58,765
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,593
−HK$1,857/mo
Today · 4.125%
HK$62,450
baseline
▲ 0.50% · 4.625%
HK$66,250
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,900/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,375
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$1,779/mo
Today · 4.125%
HK$68,907
baseline
▲ 0.50% · 4.625%
HK$72,539
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,814/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,518
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,711
−HK$2,229/mo
Today · 4.125%
HK$74,940
baseline
▲ 0.50% · 4.625%
HK$79,500
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,880/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,450
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,554
−HK$2,134/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,047
+HK$4,359/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$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,270
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,830
−HK$2,600/mo
Today · 4.125%
HK$87,430
baseline
▲ 0.50% · 4.625%
HK$92,749
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,860/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,525
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,980
−HK$2,490/mo
Today · 4.125%
HK$96,470
baseline
▲ 0.50% · 4.625%
HK$101,555
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,940/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,776
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,067
−HK$3,342/mo
Today · 4.125%
HK$112,409
baseline
▲ 0.50% · 4.625%
HK$119,249
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,818/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,675
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,831
−HK$3,202/mo
Today · 4.125%
HK$124,033
baseline
▲ 0.50% · 4.625%
HK$130,571
+HK$6,538/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,066/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,271 · Scale 2, in force from 26 Feb 2026)