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$58,781
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,610
−HK$1,857/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$66,268
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,393
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,147
−HK$1,779/mo
Today · 4.125%
HK$68,926
baseline
▲ 0.50% · 4.625%
HK$72,560
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,852/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,537
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,731
−HK$2,230/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$79,522
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,472
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,135/mo
Today · 4.125%
HK$82,712
baseline
▲ 0.50% · 4.625%
HK$87,072
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,424/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,294
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,853
−HK$2,601/mo
Today · 4.125%
HK$87,454
baseline
▲ 0.50% · 4.625%
HK$92,776
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,908/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,551
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,006
−HK$2,491/mo
Today · 4.125%
HK$96,497
baseline
▲ 0.50% · 4.625%
HK$101,584
+HK$5,087/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,994/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,806
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,097
−HK$3,344/mo
Today · 4.125%
HK$112,441
baseline
▲ 0.50% · 4.625%
HK$119,283
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,882/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,708
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,865
−HK$3,203/mo
Today · 4.125%
HK$124,068
baseline
▲ 0.50% · 4.625%
HK$130,607
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,136/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,578 · Scale 2, in force from 26 Feb 2026)