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$58,606
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,429
−HK$1,852/mo
Today · 4.125%
HK$62,281
baseline
▲ 0.50% · 4.625%
HK$66,070
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,562/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,198
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,947
−HK$1,774/mo
Today · 4.125%
HK$68,721
baseline
▲ 0.50% · 4.625%
HK$72,343
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,442/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,327
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,514
−HK$2,223/mo
Today · 4.125%
HK$74,737
baseline
▲ 0.50% · 4.625%
HK$79,284
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,474/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,238
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,336
−HK$2,129/mo
Today · 4.125%
HK$82,465
baseline
▲ 0.50% · 4.625%
HK$86,812
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,930/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,048
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,600
−HK$2,593/mo
Today · 4.125%
HK$87,193
baseline
▲ 0.50% · 4.625%
HK$92,498
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,386/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,277
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,725
−HK$2,484/mo
Today · 4.125%
HK$96,209
baseline
▲ 0.50% · 4.625%
HK$101,280
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,418/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,490
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,771
−HK$3,334/mo
Today · 4.125%
HK$112,105
baseline
▲ 0.50% · 4.625%
HK$118,927
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,210/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,357
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,504
−HK$3,193/mo
Today · 4.125%
HK$123,697
baseline
▲ 0.50% · 4.625%
HK$130,217
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,394/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,307 · Scale 2, in force from 26 Feb 2026)