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$58,792
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,620
−HK$1,858/mo
Today · 4.125%
HK$62,478
baseline
▲ 0.50% · 4.625%
HK$66,280
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,956/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,405
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,159
−HK$1,780/mo
Today · 4.125%
HK$68,939
baseline
▲ 0.50% · 4.625%
HK$72,573
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,878/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,550
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,745
−HK$2,229/mo
Today · 4.125%
HK$74,974
baseline
▲ 0.50% · 4.625%
HK$79,536
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,948/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,486
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,591
−HK$2,136/mo
Today · 4.125%
HK$82,727
baseline
▲ 0.50% · 4.625%
HK$87,087
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,454/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,308
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,869
−HK$2,601/mo
Today · 4.125%
HK$87,470
baseline
▲ 0.50% · 4.625%
HK$92,792
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,940/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,567
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,023
−HK$2,491/mo
Today · 4.125%
HK$96,514
baseline
▲ 0.50% · 4.625%
HK$101,602
+HK$5,088/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,028/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,825
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,117
−HK$3,344/mo
Today · 4.125%
HK$112,461
baseline
▲ 0.50% · 4.625%
HK$119,304
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,922/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,729
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,887
−HK$3,203/mo
Today · 4.125%
HK$124,090
baseline
▲ 0.50% · 4.625%
HK$130,631
+HK$6,541/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,180/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,776 · Scale 2, in force from 26 Feb 2026)