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$58,714
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,540
−HK$1,856/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,797/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,071
−HK$1,777/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,457
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,648
−HK$2,227/mo
Today · 4.125%
HK$74,875
baseline
▲ 0.50% · 4.625%
HK$79,431
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,750/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,382
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,485
−HK$2,132/mo
Today · 4.125%
HK$82,617
baseline
▲ 0.50% · 4.625%
HK$86,972
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,234/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,200
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,756
−HK$2,598/mo
Today · 4.125%
HK$87,354
baseline
▲ 0.50% · 4.625%
HK$92,670
+HK$5,316/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,708/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,446
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,899
−HK$2,488/mo
Today · 4.125%
HK$96,387
baseline
▲ 0.50% · 4.625%
HK$101,467
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,774/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,685
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,973
−HK$3,340/mo
Today · 4.125%
HK$112,313
baseline
▲ 0.50% · 4.625%
HK$119,147
+HK$6,834/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,626/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,574
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,727
−HK$3,199/mo
Today · 4.125%
HK$123,926
baseline
▲ 0.50% · 4.625%
HK$130,458
+HK$6,532/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,852/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,327 · Scale 2, in force from 26 Feb 2026)