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$58,801
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,859/mo
Today · 4.125%
HK$62,489
baseline
▲ 0.50% · 4.625%
HK$66,291
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,978/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,416
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,170
−HK$1,780/mo
Today · 4.125%
HK$68,950
baseline
▲ 0.50% · 4.625%
HK$72,585
+HK$3,635/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,900/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,562
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,757
−HK$2,230/mo
Today · 4.125%
HK$74,987
baseline
▲ 0.50% · 4.625%
HK$79,549
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,974/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,499
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,604
−HK$2,136/mo
Today · 4.125%
HK$82,740
baseline
▲ 0.50% · 4.625%
HK$87,102
+HK$4,362/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,480/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,322
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,883
−HK$2,601/mo
Today · 4.125%
HK$87,484
baseline
▲ 0.50% · 4.625%
HK$92,807
+HK$5,323/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,968/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,582
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,039
−HK$2,491/mo
Today · 4.125%
HK$96,530
baseline
▲ 0.50% · 4.625%
HK$101,618
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,060/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,843
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,135
−HK$3,345/mo
Today · 4.125%
HK$112,480
baseline
▲ 0.50% · 4.625%
HK$119,324
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,960/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,749
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,907
−HK$3,203/mo
Today · 4.125%
HK$124,110
baseline
▲ 0.50% · 4.625%
HK$130,652
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,220/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,956 · Scale 2, in force from 26 Feb 2026)