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$58,728
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,555
−HK$1,856/mo
Today · 4.125%
HK$62,411
baseline
▲ 0.50% · 4.625%
HK$66,209
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,822/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,335
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,087
−HK$1,778/mo
Today · 4.125%
HK$68,865
baseline
▲ 0.50% · 4.625%
HK$72,495
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,730/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,474
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,666
−HK$2,227/mo
Today · 4.125%
HK$74,893
baseline
▲ 0.50% · 4.625%
HK$79,451
+HK$4,558/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,786/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,402
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,504
−HK$2,134/mo
Today · 4.125%
HK$82,638
baseline
▲ 0.50% · 4.625%
HK$86,994
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,276/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,220
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,777
−HK$2,599/mo
Today · 4.125%
HK$87,376
baseline
▲ 0.50% · 4.625%
HK$92,692
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,752/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,469
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,922
−HK$2,488/mo
Today · 4.125%
HK$96,410
baseline
▲ 0.50% · 4.625%
HK$101,492
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,820/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,711
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,999
−HK$3,341/mo
Today · 4.125%
HK$112,340
baseline
▲ 0.50% · 4.625%
HK$119,176
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,680/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,603
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,757
−HK$3,199/mo
Today · 4.125%
HK$123,956
baseline
▲ 0.50% · 4.625%
HK$130,490
+HK$6,534/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,912/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,596 · Scale 2, in force from 26 Feb 2026)