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$58,697
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,523
−HK$1,855/mo
Today · 4.125%
HK$62,378
baseline
▲ 0.50% · 4.625%
HK$66,173
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,756/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,300
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,051
−HK$1,777/mo
Today · 4.125%
HK$68,828
baseline
▲ 0.50% · 4.625%
HK$72,456
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,656/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,436
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,627
−HK$2,226/mo
Today · 4.125%
HK$74,853
baseline
▲ 0.50% · 4.625%
HK$79,408
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$149,706/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,360
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,461
−HK$2,132/mo
Today · 4.125%
HK$82,593
baseline
▲ 0.50% · 4.625%
HK$86,947
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$165,186/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,176
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,732
−HK$2,597/mo
Today · 4.125%
HK$87,329
baseline
▲ 0.50% · 4.625%
HK$92,643
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,658/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,420
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,871
−HK$2,488/mo
Today · 4.125%
HK$96,359
baseline
▲ 0.50% · 4.625%
HK$101,438
+HK$5,079/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,718/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,654
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,941
−HK$3,339/mo
Today · 4.125%
HK$112,280
baseline
▲ 0.50% · 4.625%
HK$119,112
+HK$6,832/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,560/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,540
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,692
−HK$3,198/mo
Today · 4.125%
HK$123,890
baseline
▲ 0.50% · 4.625%
HK$130,420
+HK$6,530/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,780/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,009 · Scale 2, in force from 26 Feb 2026)