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$58,496
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,315
−HK$1,849/mo
Today · 4.125%
HK$62,164
baseline
▲ 0.50% · 4.625%
HK$65,946
+HK$3,782/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,328/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,076
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,821
−HK$1,771/mo
Today · 4.125%
HK$68,592
baseline
▲ 0.50% · 4.625%
HK$72,207
+HK$3,615/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,184/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,195
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,378
−HK$2,219/mo
Today · 4.125%
HK$74,597
baseline
▲ 0.50% · 4.625%
HK$79,136
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,194/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,091
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,185
−HK$2,125/mo
Today · 4.125%
HK$82,310
baseline
▲ 0.50% · 4.625%
HK$86,649
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,620/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,894
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,441
−HK$2,588/mo
Today · 4.125%
HK$87,029
baseline
▲ 0.50% · 4.625%
HK$92,325
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,058/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,550
−HK$2,478/mo
Today · 4.125%
HK$96,028
baseline
▲ 0.50% · 4.625%
HK$101,090
+HK$5,062/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,056/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,292
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,567
−HK$3,328/mo
Today · 4.125%
HK$111,895
baseline
▲ 0.50% · 4.625%
HK$118,703
+HK$6,808/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,790/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,136
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,278
−HK$3,187/mo
Today · 4.125%
HK$123,465
baseline
▲ 0.50% · 4.625%
HK$129,973
+HK$6,508/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,930/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,257 · Scale 2, in force from 26 Feb 2026)