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$58,442
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,260
−HK$1,847/mo
Today · 4.125%
HK$62,107
baseline
▲ 0.50% · 4.625%
HK$65,886
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,214/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,016
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,760
−HK$1,769/mo
Today · 4.125%
HK$68,529
baseline
▲ 0.50% · 4.625%
HK$72,141
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,058/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,130
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,312
−HK$2,216/mo
Today · 4.125%
HK$74,528
baseline
▲ 0.50% · 4.625%
HK$79,063
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,056/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,019
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,112
−HK$2,122/mo
Today · 4.125%
HK$82,234
baseline
▲ 0.50% · 4.625%
HK$86,569
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,468/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,819
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,364
−HK$2,585/mo
Today · 4.125%
HK$86,949
baseline
▲ 0.50% · 4.625%
HK$92,240
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,898/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,022
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,463
−HK$2,477/mo
Today · 4.125%
HK$95,940
baseline
▲ 0.50% · 4.625%
HK$100,997
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,880/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,195
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,467
−HK$3,325/mo
Today · 4.125%
HK$111,792
baseline
▲ 0.50% · 4.625%
HK$118,594
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,584/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,029
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,167
−HK$3,184/mo
Today · 4.125%
HK$123,351
baseline
▲ 0.50% · 4.625%
HK$129,853
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,702/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,253 · Scale 2, in force from 26 Feb 2026)