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$58,707
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,533
−HK$1,855/mo
Today · 4.125%
HK$62,388
baseline
▲ 0.50% · 4.625%
HK$66,184
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,776/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,311
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,062
−HK$1,777/mo
Today · 4.125%
HK$68,839
baseline
▲ 0.50% · 4.625%
HK$72,468
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,678/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,448
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,639
−HK$2,227/mo
Today · 4.125%
HK$74,866
baseline
▲ 0.50% · 4.625%
HK$79,421
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,732/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,373
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,475
−HK$2,132/mo
Today · 4.125%
HK$82,607
baseline
▲ 0.50% · 4.625%
HK$86,961
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,214/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,189
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,746
−HK$2,597/mo
Today · 4.125%
HK$87,343
baseline
▲ 0.50% · 4.625%
HK$92,658
+HK$5,315/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,686/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,435
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,887
−HK$2,488/mo
Today · 4.125%
HK$96,375
baseline
▲ 0.50% · 4.625%
HK$101,455
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,750/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,672
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,959
−HK$3,339/mo
Today · 4.125%
HK$112,298
baseline
▲ 0.50% · 4.625%
HK$119,132
+HK$6,834/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,596/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,559
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,712
−HK$3,198/mo
Today · 4.125%
HK$123,910
baseline
▲ 0.50% · 4.625%
HK$130,442
+HK$6,532/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,820/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,190 · Scale 2, in force from 26 Feb 2026)