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$58,766
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,594
−HK$1,857/mo
Today · 4.125%
HK$62,451
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,902/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,376
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,129
−HK$1,779/mo
Today · 4.125%
HK$68,908
baseline
▲ 0.50% · 4.625%
HK$72,540
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,816/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,519
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,712
−HK$2,229/mo
Today · 4.125%
HK$74,941
baseline
▲ 0.50% · 4.625%
HK$79,501
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,882/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,451
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,555
−HK$2,135/mo
Today · 4.125%
HK$82,690
baseline
▲ 0.50% · 4.625%
HK$87,049
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,380/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,272
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,831
−HK$2,600/mo
Today · 4.125%
HK$87,431
baseline
▲ 0.50% · 4.625%
HK$92,751
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,862/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,527
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,981
−HK$2,490/mo
Today · 4.125%
HK$96,471
baseline
▲ 0.50% · 4.625%
HK$101,557
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,942/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,778
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,068
−HK$3,343/mo
Today · 4.125%
HK$112,411
baseline
▲ 0.50% · 4.625%
HK$119,251
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,822/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,677
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,833
−HK$3,202/mo
Today · 4.125%
HK$124,035
baseline
▲ 0.50% · 4.625%
HK$130,573
+HK$6,538/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,070/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,288 · Scale 2, in force from 26 Feb 2026)