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$58,777
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,857/mo
Today · 4.125%
HK$62,462
baseline
▲ 0.50% · 4.625%
HK$66,263
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,924/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,388
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,142
−HK$1,779/mo
Today · 4.125%
HK$68,921
baseline
▲ 0.50% · 4.625%
HK$72,554
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,842/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,532
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,726
−HK$2,229/mo
Today · 4.125%
HK$74,955
baseline
▲ 0.50% · 4.625%
HK$79,516
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,910/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,466
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,570
−HK$2,135/mo
Today · 4.125%
HK$82,705
baseline
▲ 0.50% · 4.625%
HK$87,065
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,410/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,287
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,847
−HK$2,600/mo
Today · 4.125%
HK$87,447
baseline
▲ 0.50% · 4.625%
HK$92,768
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,894/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,544
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,999
−HK$2,491/mo
Today · 4.125%
HK$96,490
baseline
▲ 0.50% · 4.625%
HK$101,576
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,980/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,798
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,089
−HK$3,343/mo
Today · 4.125%
HK$112,432
baseline
▲ 0.50% · 4.625%
HK$119,274
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,864/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,699
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,856
−HK$3,202/mo
Today · 4.125%
HK$124,058
baseline
▲ 0.50% · 4.625%
HK$130,597
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,116/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,493 · Scale 2, in force from 26 Feb 2026)