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$58,537
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,358
−HK$1,850/mo
Today · 4.125%
HK$62,208
baseline
▲ 0.50% · 4.625%
HK$65,994
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,416/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,122
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,869
−HK$1,772/mo
Today · 4.125%
HK$68,641
baseline
▲ 0.50% · 4.625%
HK$72,259
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,282/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,245
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,430
−HK$2,220/mo
Today · 4.125%
HK$74,650
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,300/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,147
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,243
−HK$2,126/mo
Today · 4.125%
HK$82,369
baseline
▲ 0.50% · 4.625%
HK$86,711
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,738/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,952
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,590/mo
Today · 4.125%
HK$87,092
baseline
▲ 0.50% · 4.625%
HK$92,391
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,184/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,171
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,616
−HK$2,481/mo
Today · 4.125%
HK$96,097
baseline
▲ 0.50% · 4.625%
HK$101,162
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,194/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,367
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,645
−HK$3,330/mo
Today · 4.125%
HK$111,975
baseline
▲ 0.50% · 4.625%
HK$118,788
+HK$6,813/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,950/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,220
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,364
−HK$3,189/mo
Today · 4.125%
HK$123,553
baseline
▲ 0.50% · 4.625%
HK$130,066
+HK$6,513/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,106/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,037 · Scale 2, in force from 26 Feb 2026)