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$58,602
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,425
−HK$1,852/mo
Today · 4.125%
HK$62,277
baseline
▲ 0.50% · 4.625%
HK$66,067
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,554/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,195
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,943
−HK$1,774/mo
Today · 4.125%
HK$68,717
baseline
▲ 0.50% · 4.625%
HK$72,339
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,434/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,323
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,510
−HK$2,223/mo
Today · 4.125%
HK$74,733
baseline
▲ 0.50% · 4.625%
HK$79,280
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,466/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,233
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,332
−HK$2,128/mo
Today · 4.125%
HK$82,460
baseline
▲ 0.50% · 4.625%
HK$86,807
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,920/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,043
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,595
−HK$2,593/mo
Today · 4.125%
HK$87,188
baseline
▲ 0.50% · 4.625%
HK$92,493
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,376/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,272
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,720
−HK$2,484/mo
Today · 4.125%
HK$96,204
baseline
▲ 0.50% · 4.625%
HK$101,275
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,408/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,484
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,765
−HK$3,334/mo
Today · 4.125%
HK$112,099
baseline
▲ 0.50% · 4.625%
HK$118,920
+HK$6,821/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,198/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,350
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,497
−HK$3,193/mo
Today · 4.125%
HK$123,690
baseline
▲ 0.50% · 4.625%
HK$130,210
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,380/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,246 · Scale 2, in force from 26 Feb 2026)