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$58,741
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,568
−HK$1,857/mo
Today · 4.125%
HK$62,425
baseline
▲ 0.50% · 4.625%
HK$66,223
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,850/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,349
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,102
−HK$1,777/mo
Today · 4.125%
HK$68,879
baseline
▲ 0.50% · 4.625%
HK$72,510
+HK$3,631/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,758/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,489
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,682
−HK$2,228/mo
Today · 4.125%
HK$74,910
baseline
▲ 0.50% · 4.625%
HK$79,468
+HK$4,558/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$149,820/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,419
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,522
−HK$2,133/mo
Today · 4.125%
HK$82,655
baseline
▲ 0.50% · 4.625%
HK$87,012
+HK$4,357/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$165,310/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,238
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,796
−HK$2,599/mo
Today · 4.125%
HK$87,395
baseline
▲ 0.50% · 4.625%
HK$92,712
+HK$5,317/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,790/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,488
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,942
−HK$2,489/mo
Today · 4.125%
HK$96,431
baseline
▲ 0.50% · 4.625%
HK$101,514
+HK$5,083/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,862/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,734
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,023
−HK$3,341/mo
Today · 4.125%
HK$112,364
baseline
▲ 0.50% · 4.625%
HK$119,202
+HK$6,838/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,728/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,628
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,783
−HK$3,200/mo
Today · 4.125%
HK$123,983
baseline
▲ 0.50% · 4.625%
HK$130,518
+HK$6,535/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,966/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,832 · Scale 2, in force from 26 Feb 2026)