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$58,342
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,156
−HK$1,844/mo
Today · 4.125%
HK$62,000
baseline
▲ 0.50% · 4.625%
HK$65,773
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$124,000/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,905
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,645
−HK$1,766/mo
Today · 4.125%
HK$68,411
baseline
▲ 0.50% · 4.625%
HK$72,017
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,822/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,010
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,188
−HK$2,212/mo
Today · 4.125%
HK$74,400
baseline
▲ 0.50% · 4.625%
HK$78,927
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,800/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,885
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,974
−HK$2,119/mo
Today · 4.125%
HK$82,093
baseline
▲ 0.50% · 4.625%
HK$86,421
+HK$4,328/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,186/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,678
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,219
−HK$2,581/mo
Today · 4.125%
HK$86,800
baseline
▲ 0.50% · 4.625%
HK$92,082
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,600/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,866
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,303
−HK$2,473/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$100,824
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,015
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,282
−HK$3,318/mo
Today · 4.125%
HK$111,600
baseline
▲ 0.50% · 4.625%
HK$118,391
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,200/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,828
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,961
−HK$3,179/mo
Today · 4.125%
HK$123,140
baseline
▲ 0.50% · 4.625%
HK$129,631
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,280/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,387 · Scale 2, in force from 26 Feb 2026)