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$58,637
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,460
−HK$1,854/mo
Today · 4.125%
HK$62,314
baseline
▲ 0.50% · 4.625%
HK$66,105
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,628/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,233
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,982
−HK$1,775/mo
Today · 4.125%
HK$68,757
baseline
▲ 0.50% · 4.625%
HK$72,381
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,514/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,364
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,553
−HK$2,223/mo
Today · 4.125%
HK$74,776
baseline
▲ 0.50% · 4.625%
HK$79,326
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,552/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,279
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,378
−HK$2,130/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$86,857
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,091
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,645
−HK$2,594/mo
Today · 4.125%
HK$87,239
baseline
▲ 0.50% · 4.625%
HK$92,547
+HK$5,308/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,478/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,326
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,775
−HK$2,485/mo
Today · 4.125%
HK$96,260
baseline
▲ 0.50% · 4.625%
HK$101,334
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,520/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,546
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,829
−HK$3,335/mo
Today · 4.125%
HK$112,164
baseline
▲ 0.50% · 4.625%
HK$118,989
+HK$6,825/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,328/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,419
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,568
−HK$3,194/mo
Today · 4.125%
HK$123,762
baseline
▲ 0.50% · 4.625%
HK$130,286
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,524/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,883 · Scale 2, in force from 26 Feb 2026)