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$58,807
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,636
−HK$1,859/mo
Today · 4.125%
HK$62,495
baseline
▲ 0.50% · 4.625%
HK$66,297
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,990/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,422
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,177
−HK$1,780/mo
Today · 4.125%
HK$68,957
baseline
▲ 0.50% · 4.625%
HK$72,591
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,914/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,568
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,763
−HK$2,230/mo
Today · 4.125%
HK$74,993
baseline
▲ 0.50% · 4.625%
HK$79,557
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$149,986/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,506
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,612
−HK$2,136/mo
Today · 4.125%
HK$82,748
baseline
▲ 0.50% · 4.625%
HK$87,110
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$165,496/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,330
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,890
−HK$2,602/mo
Today · 4.125%
HK$87,492
baseline
▲ 0.50% · 4.625%
HK$92,816
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,984/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,591
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,047
−HK$2,492/mo
Today · 4.125%
HK$96,539
baseline
▲ 0.50% · 4.625%
HK$101,628
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,078/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,852
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,145
−HK$3,345/mo
Today · 4.125%
HK$112,490
baseline
▲ 0.50% · 4.625%
HK$119,335
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,980/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,760
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,918
−HK$3,204/mo
Today · 4.125%
HK$124,122
baseline
▲ 0.50% · 4.625%
HK$130,664
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,244/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,057 · Scale 2, in force from 26 Feb 2026)