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$58,783
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,611
−HK$1,858/mo
Today · 4.125%
HK$62,469
baseline
▲ 0.50% · 4.625%
HK$66,270
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,938/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,395
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,149
−HK$1,779/mo
Today · 4.125%
HK$68,928
baseline
▲ 0.50% · 4.625%
HK$72,561
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,856/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,539
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,733
−HK$2,230/mo
Today · 4.125%
HK$74,963
baseline
▲ 0.50% · 4.625%
HK$79,524
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,926/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,474
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,579
−HK$2,135/mo
Today · 4.125%
HK$82,714
baseline
▲ 0.50% · 4.625%
HK$87,074
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,428/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,296
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,855
−HK$2,601/mo
Today · 4.125%
HK$87,456
baseline
▲ 0.50% · 4.625%
HK$92,778
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,912/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,553
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,008
−HK$2,491/mo
Today · 4.125%
HK$96,499
baseline
▲ 0.50% · 4.625%
HK$101,586
+HK$5,087/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$192,998/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,809
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,100
−HK$3,344/mo
Today · 4.125%
HK$112,444
baseline
▲ 0.50% · 4.625%
HK$119,286
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,888/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,711
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,868
−HK$3,203/mo
Today · 4.125%
HK$124,071
baseline
▲ 0.50% · 4.625%
HK$130,611
+HK$6,540/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,142/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,605 · Scale 2, in force from 26 Feb 2026)