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$58,733
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,560
−HK$1,856/mo
Today · 4.125%
HK$62,416
baseline
▲ 0.50% · 4.625%
HK$66,214
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,832/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,340
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$1,778/mo
Today · 4.125%
HK$68,870
baseline
▲ 0.50% · 4.625%
HK$72,500
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,740/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,480
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,672
−HK$2,227/mo
Today · 4.125%
HK$74,899
baseline
▲ 0.50% · 4.625%
HK$79,457
+HK$4,558/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,798/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,408
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,511
−HK$2,133/mo
Today · 4.125%
HK$82,644
baseline
▲ 0.50% · 4.625%
HK$87,000
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,288/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,226
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,784
−HK$2,599/mo
Today · 4.125%
HK$87,383
baseline
▲ 0.50% · 4.625%
HK$92,700
+HK$5,317/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,766/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,476
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,929
−HK$2,489/mo
Today · 4.125%
HK$96,418
baseline
▲ 0.50% · 4.625%
HK$101,500
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,836/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,719
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,008
−HK$3,341/mo
Today · 4.125%
HK$112,349
baseline
▲ 0.50% · 4.625%
HK$119,185
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,698/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,612
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,766
−HK$3,200/mo
Today · 4.125%
HK$123,966
baseline
▲ 0.50% · 4.625%
HK$130,500
+HK$6,534/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,932/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,682 · Scale 2, in force from 26 Feb 2026)