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$58,596
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,419
−HK$1,852/mo
Today · 4.125%
HK$62,271
baseline
▲ 0.50% · 4.625%
HK$66,060
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,542/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,188
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,936
−HK$1,774/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,331
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,315
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,503
−HK$2,222/mo
Today · 4.125%
HK$74,725
baseline
▲ 0.50% · 4.625%
HK$79,272
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,450/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,225
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,323
−HK$2,128/mo
Today · 4.125%
HK$82,451
baseline
▲ 0.50% · 4.625%
HK$86,798
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,902/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,035
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,586
−HK$2,593/mo
Today · 4.125%
HK$87,179
baseline
▲ 0.50% · 4.625%
HK$92,484
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,358/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,263
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,710
−HK$2,483/mo
Today · 4.125%
HK$96,193
baseline
▲ 0.50% · 4.625%
HK$101,264
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,386/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,473
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,754
−HK$3,333/mo
Today · 4.125%
HK$112,087
baseline
▲ 0.50% · 4.625%
HK$118,907
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,174/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,338
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,485
−HK$3,192/mo
Today · 4.125%
HK$123,677
baseline
▲ 0.50% · 4.625%
HK$130,196
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,354/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,131 · Scale 2, in force from 26 Feb 2026)