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$58,594
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,416
−HK$1,852/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$66,057
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,933
−HK$1,774/mo
Today · 4.125%
HK$68,707
baseline
▲ 0.50% · 4.625%
HK$72,328
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,414/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,312
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,500
−HK$2,222/mo
Today · 4.125%
HK$74,722
baseline
▲ 0.50% · 4.625%
HK$79,268
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,444/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,222
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,320
−HK$2,128/mo
Today · 4.125%
HK$82,448
baseline
▲ 0.50% · 4.625%
HK$86,794
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,896/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,031
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,583
−HK$2,592/mo
Today · 4.125%
HK$87,175
baseline
▲ 0.50% · 4.625%
HK$92,480
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,350/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,259
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,706
−HK$2,483/mo
Today · 4.125%
HK$96,189
baseline
▲ 0.50% · 4.625%
HK$101,260
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,378/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,469
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,749
−HK$3,333/mo
Today · 4.125%
HK$112,082
baseline
▲ 0.50% · 4.625%
HK$118,902
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,164/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,333
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,480
−HK$3,192/mo
Today · 4.125%
HK$123,672
baseline
▲ 0.50% · 4.625%
HK$130,191
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,344/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,085 · Scale 2, in force from 26 Feb 2026)