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$58,649
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,473
−HK$1,854/mo
Today · 4.125%
HK$62,327
baseline
▲ 0.50% · 4.625%
HK$66,119
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,654/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,246
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,996
−HK$1,775/mo
Today · 4.125%
HK$68,771
baseline
▲ 0.50% · 4.625%
HK$72,396
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,542/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,379
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,568
−HK$2,224/mo
Today · 4.125%
HK$74,792
baseline
▲ 0.50% · 4.625%
HK$79,343
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,584/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,296
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,395
−HK$2,131/mo
Today · 4.125%
HK$82,526
baseline
▲ 0.50% · 4.625%
HK$86,876
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,052/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,108
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,663
−HK$2,594/mo
Today · 4.125%
HK$87,257
baseline
▲ 0.50% · 4.625%
HK$92,567
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,514/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,345
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,795
−HK$2,485/mo
Today · 4.125%
HK$96,280
baseline
▲ 0.50% · 4.625%
HK$101,355
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,560/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,568
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,852
−HK$3,336/mo
Today · 4.125%
HK$112,188
baseline
▲ 0.50% · 4.625%
HK$119,014
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,376/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,443
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,593
−HK$3,196/mo
Today · 4.125%
HK$123,789
baseline
▲ 0.50% · 4.625%
HK$130,314
+HK$6,525/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,578/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,114 · Scale 2, in force from 26 Feb 2026)