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$58,498
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,318
−HK$1,848/mo
Today · 4.125%
HK$62,166
baseline
▲ 0.50% · 4.625%
HK$65,949
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,332/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,079
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,824
−HK$1,771/mo
Today · 4.125%
HK$68,595
baseline
▲ 0.50% · 4.625%
HK$72,210
+HK$3,615/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,190/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,198
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,381
−HK$2,219/mo
Today · 4.125%
HK$74,600
baseline
▲ 0.50% · 4.625%
HK$79,139
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,200/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,094
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,189
−HK$2,124/mo
Today · 4.125%
HK$82,313
baseline
▲ 0.50% · 4.625%
HK$86,652
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,626/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,897
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,445
−HK$2,588/mo
Today · 4.125%
HK$87,033
baseline
▲ 0.50% · 4.625%
HK$92,329
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,066/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,110
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,554
−HK$2,478/mo
Today · 4.125%
HK$96,032
baseline
▲ 0.50% · 4.625%
HK$101,094
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,064/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,297
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,572
−HK$3,328/mo
Today · 4.125%
HK$111,900
baseline
▲ 0.50% · 4.625%
HK$118,708
+HK$6,808/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,800/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,141
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,283
−HK$3,187/mo
Today · 4.125%
HK$123,470
baseline
▲ 0.50% · 4.625%
HK$129,979
+HK$6,509/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,940/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,303 · Scale 2, in force from 26 Feb 2026)