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$58,626
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,449
−HK$1,853/mo
Today · 4.125%
HK$62,302
baseline
▲ 0.50% · 4.625%
HK$66,093
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,604/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,221
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,970
−HK$1,774/mo
Today · 4.125%
HK$68,744
baseline
▲ 0.50% · 4.625%
HK$72,368
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,488/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,351
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,539
−HK$2,223/mo
Today · 4.125%
HK$74,762
baseline
▲ 0.50% · 4.625%
HK$79,312
+HK$4,550/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,524/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,265
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,364
−HK$2,129/mo
Today · 4.125%
HK$82,493
baseline
▲ 0.50% · 4.625%
HK$86,841
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,986/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,076
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,629
−HK$2,594/mo
Today · 4.125%
HK$87,223
baseline
▲ 0.50% · 4.625%
HK$92,530
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,446/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,309
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,484/mo
Today · 4.125%
HK$96,242
baseline
▲ 0.50% · 4.625%
HK$101,315
+HK$5,073/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,484/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,526
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,809
−HK$3,335/mo
Today · 4.125%
HK$112,144
baseline
▲ 0.50% · 4.625%
HK$118,967
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,288/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,397
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,545
−HK$3,195/mo
Today · 4.125%
HK$123,740
baseline
▲ 0.50% · 4.625%
HK$130,262
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,480/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,682 · Scale 2, in force from 26 Feb 2026)