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$58,600
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,423
−HK$1,852/mo
Today · 4.125%
HK$62,275
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,550/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,192
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$1,774/mo
Today · 4.125%
HK$68,714
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,428/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,320
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,507
−HK$2,222/mo
Today · 4.125%
HK$74,729
baseline
▲ 0.50% · 4.625%
HK$79,277
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,458/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,230
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,328
−HK$2,129/mo
Today · 4.125%
HK$82,457
baseline
▲ 0.50% · 4.625%
HK$86,803
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,914/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,040
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,592
−HK$2,592/mo
Today · 4.125%
HK$87,184
baseline
▲ 0.50% · 4.625%
HK$92,489
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,368/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,268
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,716
−HK$2,483/mo
Today · 4.125%
HK$96,199
baseline
▲ 0.50% · 4.625%
HK$101,270
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,398/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,480
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,761
−HK$3,333/mo
Today · 4.125%
HK$112,094
baseline
▲ 0.50% · 4.625%
HK$118,915
+HK$6,821/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,188/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,345
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,492
−HK$3,193/mo
Today · 4.125%
HK$123,685
baseline
▲ 0.50% · 4.625%
HK$130,204
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,370/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,199 · Scale 2, in force from 26 Feb 2026)