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$58,763
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,857/mo
Today · 4.125%
HK$62,447
baseline
▲ 0.50% · 4.625%
HK$66,247
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,894/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,373
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$1,779/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$72,537
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,708
−HK$2,229/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,447
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,551
−HK$2,135/mo
Today · 4.125%
HK$82,686
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,372/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,268
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,827
−HK$2,599/mo
Today · 4.125%
HK$87,426
baseline
▲ 0.50% · 4.625%
HK$92,746
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,852/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,522
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,976
−HK$2,491/mo
Today · 4.125%
HK$96,467
baseline
▲ 0.50% · 4.625%
HK$101,551
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,934/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,773
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$3,342/mo
Today · 4.125%
HK$112,405
baseline
▲ 0.50% · 4.625%
HK$119,245
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,810/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,671
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,827
−HK$3,201/mo
Today · 4.125%
HK$124,028
baseline
▲ 0.50% · 4.625%
HK$130,566
+HK$6,538/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,056/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,232 · Scale 2, in force from 26 Feb 2026)