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$58,540
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,360
−HK$1,851/mo
Today · 4.125%
HK$62,211
baseline
▲ 0.50% · 4.625%
HK$65,996
+HK$3,785/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,422/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,125
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,871
−HK$1,772/mo
Today · 4.125%
HK$68,643
baseline
▲ 0.50% · 4.625%
HK$72,261
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,286/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,247
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,433
−HK$2,220/mo
Today · 4.125%
HK$74,653
baseline
▲ 0.50% · 4.625%
HK$79,195
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,306/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,150
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,246
−HK$2,126/mo
Today · 4.125%
HK$82,372
baseline
▲ 0.50% · 4.625%
HK$86,714
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,744/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,955
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,505
−HK$2,590/mo
Today · 4.125%
HK$87,095
baseline
▲ 0.50% · 4.625%
HK$92,394
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,190/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,175
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,620
−HK$2,480/mo
Today · 4.125%
HK$96,100
baseline
▲ 0.50% · 4.625%
HK$101,166
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,200/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,371
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,649
−HK$3,330/mo
Today · 4.125%
HK$111,979
baseline
▲ 0.50% · 4.625%
HK$118,793
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,958/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,224
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,368
−HK$3,190/mo
Today · 4.125%
HK$123,558
baseline
▲ 0.50% · 4.625%
HK$130,071
+HK$6,513/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,116/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,076 · Scale 2, in force from 26 Feb 2026)