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$58,551
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,372
−HK$1,850/mo
Today · 4.125%
HK$62,222
baseline
▲ 0.50% · 4.625%
HK$66,008
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,444/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,137
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,884
−HK$1,772/mo
Today · 4.125%
HK$68,656
baseline
▲ 0.50% · 4.625%
HK$72,275
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,312/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,261
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,446
−HK$2,221/mo
Today · 4.125%
HK$74,667
baseline
▲ 0.50% · 4.625%
HK$79,210
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,334/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,164
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,261
−HK$2,126/mo
Today · 4.125%
HK$82,387
baseline
▲ 0.50% · 4.625%
HK$86,730
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,774/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,971
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,521
−HK$2,590/mo
Today · 4.125%
HK$87,111
baseline
▲ 0.50% · 4.625%
HK$92,412
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,222/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,192
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,637
−HK$2,482/mo
Today · 4.125%
HK$96,119
baseline
▲ 0.50% · 4.625%
HK$101,185
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,238/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,391
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,669
−HK$3,331/mo
Today · 4.125%
HK$112,000
baseline
▲ 0.50% · 4.625%
HK$118,815
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,000/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,247
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,391
−HK$3,190/mo
Today · 4.125%
HK$123,581
baseline
▲ 0.50% · 4.625%
HK$130,095
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,162/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,282 · Scale 2, in force from 26 Feb 2026)