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$58,656
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,480
−HK$1,854/mo
Today · 4.125%
HK$62,334
baseline
▲ 0.50% · 4.625%
HK$66,127
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,668/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,254
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,004
−HK$1,775/mo
Today · 4.125%
HK$68,779
baseline
▲ 0.50% · 4.625%
HK$72,405
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,558/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,387
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$2,225/mo
Today · 4.125%
HK$74,801
baseline
▲ 0.50% · 4.625%
HK$79,352
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,602/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,305
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,405
−HK$2,130/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$86,886
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,118
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,672
−HK$2,596/mo
Today · 4.125%
HK$87,268
baseline
▲ 0.50% · 4.625%
HK$92,578
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,536/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,356
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,806
−HK$2,485/mo
Today · 4.125%
HK$96,291
baseline
▲ 0.50% · 4.625%
HK$101,367
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,582/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,580
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,865
−HK$3,336/mo
Today · 4.125%
HK$112,201
baseline
▲ 0.50% · 4.625%
HK$119,028
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,402/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,457
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,607
−HK$3,196/mo
Today · 4.125%
HK$123,803
baseline
▲ 0.50% · 4.625%
HK$130,329
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,606/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,242 · Scale 2, in force from 26 Feb 2026)