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$58,616
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,439
−HK$1,852/mo
Today · 4.125%
HK$62,291
baseline
▲ 0.50% · 4.625%
HK$66,082
+HK$3,791/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,582/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,209
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,958
−HK$1,774/mo
Today · 4.125%
HK$68,732
baseline
▲ 0.50% · 4.625%
HK$72,355
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,464/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,339
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,527
−HK$2,223/mo
Today · 4.125%
HK$74,750
baseline
▲ 0.50% · 4.625%
HK$79,298
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,500/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,251
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,350
−HK$2,129/mo
Today · 4.125%
HK$82,479
baseline
▲ 0.50% · 4.625%
HK$86,826
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,958/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,062
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,614
−HK$2,594/mo
Today · 4.125%
HK$87,208
baseline
▲ 0.50% · 4.625%
HK$92,514
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,416/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,293
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,741
−HK$2,484/mo
Today · 4.125%
HK$96,225
baseline
▲ 0.50% · 4.625%
HK$101,297
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,450/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,508
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,790
−HK$3,334/mo
Today · 4.125%
HK$112,124
baseline
▲ 0.50% · 4.625%
HK$118,947
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,248/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,377
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,525
−HK$3,193/mo
Today · 4.125%
HK$123,718
baseline
▲ 0.50% · 4.625%
HK$130,240
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,436/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,493 · Scale 2, in force from 26 Feb 2026)