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$58,732
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,559
−HK$1,856/mo
Today · 4.125%
HK$62,415
baseline
▲ 0.50% · 4.625%
HK$66,213
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,830/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,339
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$1,778/mo
Today · 4.125%
HK$68,869
baseline
▲ 0.50% · 4.625%
HK$72,499
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,738/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,479
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,671
−HK$2,227/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$79,456
+HK$4,558/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,407
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,510
−HK$2,133/mo
Today · 4.125%
HK$82,643
baseline
▲ 0.50% · 4.625%
HK$86,999
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,286/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,225
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,783
−HK$2,598/mo
Today · 4.125%
HK$87,381
baseline
▲ 0.50% · 4.625%
HK$92,698
+HK$5,317/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,762/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,475
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,928
−HK$2,489/mo
Today · 4.125%
HK$96,417
baseline
▲ 0.50% · 4.625%
HK$101,499
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,834/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,718
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,006
−HK$3,342/mo
Today · 4.125%
HK$112,348
baseline
▲ 0.50% · 4.625%
HK$119,184
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,696/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,610
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,765
−HK$3,199/mo
Today · 4.125%
HK$123,964
baseline
▲ 0.50% · 4.625%
HK$130,499
+HK$6,535/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,928/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,667 · Scale 2, in force from 26 Feb 2026)