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$58,660
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,485
−HK$1,854/mo
Today · 4.125%
HK$62,339
baseline
▲ 0.50% · 4.625%
HK$66,132
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,678/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,259
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,009
−HK$1,776/mo
Today · 4.125%
HK$68,785
baseline
▲ 0.50% · 4.625%
HK$72,411
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,570/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,392
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,582
−HK$2,225/mo
Today · 4.125%
HK$74,807
baseline
▲ 0.50% · 4.625%
HK$79,358
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,614/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,311
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,411
−HK$2,131/mo
Today · 4.125%
HK$82,542
baseline
▲ 0.50% · 4.625%
HK$86,893
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,084/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,125
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,679
−HK$2,595/mo
Today · 4.125%
HK$87,274
baseline
▲ 0.50% · 4.625%
HK$92,585
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,548/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,363
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,813
−HK$2,486/mo
Today · 4.125%
HK$96,299
baseline
▲ 0.50% · 4.625%
HK$101,375
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,598/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,589
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,873
−HK$3,337/mo
Today · 4.125%
HK$112,210
baseline
▲ 0.50% · 4.625%
HK$119,038
+HK$6,828/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,420/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,466
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,617
−HK$3,196/mo
Today · 4.125%
HK$123,813
baseline
▲ 0.50% · 4.625%
HK$130,339
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,626/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,327 · Scale 2, in force from 26 Feb 2026)