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$58,654
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,479
−HK$1,853/mo
Today · 4.125%
HK$62,332
baseline
▲ 0.50% · 4.625%
HK$66,125
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,664/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,252
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,002
−HK$1,776/mo
Today · 4.125%
HK$68,778
baseline
▲ 0.50% · 4.625%
HK$72,403
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,556/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,385
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,574
−HK$2,225/mo
Today · 4.125%
HK$74,799
baseline
▲ 0.50% · 4.625%
HK$79,350
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,598/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,303
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,403
−HK$2,130/mo
Today · 4.125%
HK$82,533
baseline
▲ 0.50% · 4.625%
HK$86,884
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,066/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,116
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,670
−HK$2,595/mo
Today · 4.125%
HK$87,265
baseline
▲ 0.50% · 4.625%
HK$92,575
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,530/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,353
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,803
−HK$2,486/mo
Today · 4.125%
HK$96,289
baseline
▲ 0.50% · 4.625%
HK$101,364
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,578/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,578
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,862
−HK$3,336/mo
Today · 4.125%
HK$112,198
baseline
▲ 0.50% · 4.625%
HK$119,025
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,396/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,454
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,604
−HK$3,196/mo
Today · 4.125%
HK$123,800
baseline
▲ 0.50% · 4.625%
HK$130,325
+HK$6,525/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,600/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,212 · Scale 2, in force from 26 Feb 2026)