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$58,797
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,626
−HK$1,858/mo
Today · 4.125%
HK$62,484
baseline
▲ 0.50% · 4.625%
HK$66,286
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,968/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,411
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,165
−HK$1,780/mo
Today · 4.125%
HK$68,945
baseline
▲ 0.50% · 4.625%
HK$72,579
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,890/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,556
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,751
−HK$2,229/mo
Today · 4.125%
HK$74,980
baseline
▲ 0.50% · 4.625%
HK$79,543
+HK$4,563/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,960/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,493
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,598
−HK$2,136/mo
Today · 4.125%
HK$82,734
baseline
▲ 0.50% · 4.625%
HK$87,095
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,468/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,315
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,876
−HK$2,601/mo
Today · 4.125%
HK$87,477
baseline
▲ 0.50% · 4.625%
HK$92,800
+HK$5,323/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,954/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,575
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,031
−HK$2,491/mo
Today · 4.125%
HK$96,522
baseline
▲ 0.50% · 4.625%
HK$101,610
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,044/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,834
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,126
−HK$3,345/mo
Today · 4.125%
HK$112,471
baseline
▲ 0.50% · 4.625%
HK$119,314
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,942/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,739
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,897
−HK$3,203/mo
Today · 4.125%
HK$124,100
baseline
▲ 0.50% · 4.625%
HK$130,642
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,200/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,868 · Scale 2, in force from 26 Feb 2026)