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$58,545
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,850/mo
Today · 4.125%
HK$62,216
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,432/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,131
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,877
−HK$1,772/mo
Today · 4.125%
HK$68,649
baseline
▲ 0.50% · 4.625%
HK$72,268
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,298/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,254
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$2,220/mo
Today · 4.125%
HK$74,659
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,318/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,157
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,253
−HK$2,126/mo
Today · 4.125%
HK$82,379
baseline
▲ 0.50% · 4.625%
HK$86,722
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,758/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,963
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,512
−HK$2,591/mo
Today · 4.125%
HK$87,103
baseline
▲ 0.50% · 4.625%
HK$92,403
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,206/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,183
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,628
−HK$2,481/mo
Today · 4.125%
HK$96,109
baseline
▲ 0.50% · 4.625%
HK$101,175
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,218/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,381
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,659
−HK$3,330/mo
Today · 4.125%
HK$111,989
baseline
▲ 0.50% · 4.625%
HK$118,803
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,978/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,235
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,379
−HK$3,190/mo
Today · 4.125%
HK$123,569
baseline
▲ 0.50% · 4.625%
HK$130,082
+HK$6,513/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,138/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,174 · Scale 2, in force from 26 Feb 2026)