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$58,726
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,553
−HK$1,856/mo
Today · 4.125%
HK$62,409
baseline
▲ 0.50% · 4.625%
HK$66,207
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,818/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,333
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,085
−HK$1,777/mo
Today · 4.125%
HK$68,862
baseline
▲ 0.50% · 4.625%
HK$72,492
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,724/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,472
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,664
−HK$2,227/mo
Today · 4.125%
HK$74,891
baseline
▲ 0.50% · 4.625%
HK$79,448
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,782/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,399
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,502
−HK$2,133/mo
Today · 4.125%
HK$82,635
baseline
▲ 0.50% · 4.625%
HK$86,991
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,270/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,217
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,599/mo
Today · 4.125%
HK$87,373
baseline
▲ 0.50% · 4.625%
HK$92,689
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,746/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,466
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,919
−HK$2,488/mo
Today · 4.125%
HK$96,407
baseline
▲ 0.50% · 4.625%
HK$101,489
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,814/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,708
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,996
−HK$3,340/mo
Today · 4.125%
HK$112,336
baseline
▲ 0.50% · 4.625%
HK$119,172
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,672/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,599
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,753
−HK$3,199/mo
Today · 4.125%
HK$123,952
baseline
▲ 0.50% · 4.625%
HK$130,486
+HK$6,534/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,904/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,559 · Scale 2, in force from 26 Feb 2026)