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$58,587
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,410
−HK$1,851/mo
Today · 4.125%
HK$62,261
baseline
▲ 0.50% · 4.625%
HK$66,050
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,522/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,178
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,926
−HK$1,773/mo
Today · 4.125%
HK$68,699
baseline
▲ 0.50% · 4.625%
HK$72,320
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,398/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,305
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,492
−HK$2,221/mo
Today · 4.125%
HK$74,713
baseline
▲ 0.50% · 4.625%
HK$79,260
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,426/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,213
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,311
−HK$2,128/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$86,784
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,022
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,574
−HK$2,592/mo
Today · 4.125%
HK$87,166
baseline
▲ 0.50% · 4.625%
HK$92,470
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,332/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,249
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,696
−HK$2,483/mo
Today · 4.125%
HK$96,179
baseline
▲ 0.50% · 4.625%
HK$101,249
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,358/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,457
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,737
−HK$3,333/mo
Today · 4.125%
HK$112,070
baseline
▲ 0.50% · 4.625%
HK$118,889
+HK$6,819/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,140/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,320
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,466
−HK$3,192/mo
Today · 4.125%
HK$123,658
baseline
▲ 0.50% · 4.625%
HK$130,177
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,316/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,965 · Scale 2, in force from 26 Feb 2026)