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$58,556
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,378
−HK$1,850/mo
Today · 4.125%
HK$62,228
baseline
▲ 0.50% · 4.625%
HK$66,015
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,456/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,143
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,890
−HK$1,773/mo
Today · 4.125%
HK$68,663
baseline
▲ 0.50% · 4.625%
HK$72,282
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,326/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,267
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,453
−HK$2,221/mo
Today · 4.125%
HK$74,674
baseline
▲ 0.50% · 4.625%
HK$79,217
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,348/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,172
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,268
−HK$2,127/mo
Today · 4.125%
HK$82,395
baseline
▲ 0.50% · 4.625%
HK$86,738
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,790/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,979
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,529
−HK$2,590/mo
Today · 4.125%
HK$87,119
baseline
▲ 0.50% · 4.625%
HK$92,420
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,238/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,200
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,646
−HK$2,482/mo
Today · 4.125%
HK$96,128
baseline
▲ 0.50% · 4.625%
HK$101,195
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,256/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,401
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,680
−HK$3,331/mo
Today · 4.125%
HK$112,011
baseline
▲ 0.50% · 4.625%
HK$118,826
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,022/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,258
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,402
−HK$3,191/mo
Today · 4.125%
HK$123,593
baseline
▲ 0.50% · 4.625%
HK$130,107
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,186/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,384 · Scale 2, in force from 26 Feb 2026)