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$58,725
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,552
−HK$1,856/mo
Today · 4.125%
HK$62,408
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,816/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,331
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,083
−HK$1,778/mo
Today · 4.125%
HK$68,861
baseline
▲ 0.50% · 4.625%
HK$72,491
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,722/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,470
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,662
−HK$2,227/mo
Today · 4.125%
HK$74,889
baseline
▲ 0.50% · 4.625%
HK$79,446
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,778/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,397
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,500
−HK$2,133/mo
Today · 4.125%
HK$82,633
baseline
▲ 0.50% · 4.625%
HK$86,989
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,266/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,215
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,773
−HK$2,598/mo
Today · 4.125%
HK$87,371
baseline
▲ 0.50% · 4.625%
HK$92,687
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,742/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,464
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,917
−HK$2,488/mo
Today · 4.125%
HK$96,405
baseline
▲ 0.50% · 4.625%
HK$101,487
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,810/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,705
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,993
−HK$3,341/mo
Today · 4.125%
HK$112,334
baseline
▲ 0.50% · 4.625%
HK$119,169
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,668/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,596
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,750
−HK$3,200/mo
Today · 4.125%
HK$123,950
baseline
▲ 0.50% · 4.625%
HK$130,483
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,900/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,536 · Scale 2, in force from 26 Feb 2026)