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$58,755
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,583
−HK$1,857/mo
Today · 4.125%
HK$62,440
baseline
▲ 0.50% · 4.625%
HK$66,239
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,880/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,364
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,118
−HK$1,778/mo
Today · 4.125%
HK$68,896
baseline
▲ 0.50% · 4.625%
HK$72,528
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,792/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,506
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,699
−HK$2,229/mo
Today · 4.125%
HK$74,928
baseline
▲ 0.50% · 4.625%
HK$79,487
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,856/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,437
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,541
−HK$2,134/mo
Today · 4.125%
HK$82,675
baseline
▲ 0.50% · 4.625%
HK$87,033
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,350/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,257
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,816
−HK$2,599/mo
Today · 4.125%
HK$87,415
baseline
▲ 0.50% · 4.625%
HK$92,734
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,830/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,510
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,965
−HK$2,489/mo
Today · 4.125%
HK$96,454
baseline
▲ 0.50% · 4.625%
HK$101,539
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,908/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,759
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,049
−HK$3,342/mo
Today · 4.125%
HK$112,391
baseline
▲ 0.50% · 4.625%
HK$119,230
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,782/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,656
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,812
−HK$3,201/mo
Today · 4.125%
HK$124,013
baseline
▲ 0.50% · 4.625%
HK$130,550
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,026/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,093 · Scale 2, in force from 26 Feb 2026)