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$58,709
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,535
−HK$1,856/mo
Today · 4.125%
HK$62,391
baseline
▲ 0.50% · 4.625%
HK$66,187
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,782/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,314
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,065
−HK$1,777/mo
Today · 4.125%
HK$68,842
baseline
▲ 0.50% · 4.625%
HK$72,471
+HK$3,629/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,684/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,451
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,643
−HK$2,226/mo
Today · 4.125%
HK$74,869
baseline
▲ 0.50% · 4.625%
HK$79,425
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,738/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,376
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,478
−HK$2,133/mo
Today · 4.125%
HK$82,611
baseline
▲ 0.50% · 4.625%
HK$86,965
+HK$4,354/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,222/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,193
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,750
−HK$2,597/mo
Today · 4.125%
HK$87,347
baseline
▲ 0.50% · 4.625%
HK$92,662
+HK$5,315/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,694/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,439
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,891
−HK$2,488/mo
Today · 4.125%
HK$96,379
baseline
▲ 0.50% · 4.625%
HK$101,459
+HK$5,080/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,758/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,677
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,964
−HK$3,340/mo
Today · 4.125%
HK$112,304
baseline
▲ 0.50% · 4.625%
HK$119,137
+HK$6,833/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,608/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,564
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,717
−HK$3,199/mo
Today · 4.125%
HK$123,916
baseline
▲ 0.50% · 4.625%
HK$130,448
+HK$6,532/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,832/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,239 · Scale 2, in force from 26 Feb 2026)