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$58,614
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,437
−HK$1,853/mo
Today · 4.125%
HK$62,290
baseline
▲ 0.50% · 4.625%
HK$66,080
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,580/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,208
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,957
−HK$1,774/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,354
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,337
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,525
−HK$2,223/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$79,296
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,249
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,348
−HK$2,129/mo
Today · 4.125%
HK$82,477
baseline
▲ 0.50% · 4.625%
HK$86,824
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,954/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,060
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,612
−HK$2,594/mo
Today · 4.125%
HK$87,206
baseline
▲ 0.50% · 4.625%
HK$92,512
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,412/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,291
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,739
−HK$2,484/mo
Today · 4.125%
HK$96,223
baseline
▲ 0.50% · 4.625%
HK$101,295
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,446/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,506
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,787
−HK$3,335/mo
Today · 4.125%
HK$112,122
baseline
▲ 0.50% · 4.625%
HK$118,944
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,244/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,374
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,522
−HK$3,193/mo
Today · 4.125%
HK$123,715
baseline
▲ 0.50% · 4.625%
HK$130,236
+HK$6,521/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,430/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,467 · Scale 2, in force from 26 Feb 2026)