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$58,655
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,480
−HK$1,853/mo
Today · 4.125%
HK$62,333
baseline
▲ 0.50% · 4.625%
HK$66,126
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,666/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,253
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,003
−HK$1,776/mo
Today · 4.125%
HK$68,779
baseline
▲ 0.50% · 4.625%
HK$72,404
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,558/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,386
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,575
−HK$2,225/mo
Today · 4.125%
HK$74,800
baseline
▲ 0.50% · 4.625%
HK$79,351
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,600/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,304
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,404
−HK$2,130/mo
Today · 4.125%
HK$82,534
baseline
▲ 0.50% · 4.625%
HK$86,885
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,068/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,117
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,671
−HK$2,596/mo
Today · 4.125%
HK$87,267
baseline
▲ 0.50% · 4.625%
HK$92,577
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,534/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,354
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,805
−HK$2,485/mo
Today · 4.125%
HK$96,290
baseline
▲ 0.50% · 4.625%
HK$101,366
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,580/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,579
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,863
−HK$3,337/mo
Today · 4.125%
HK$112,200
baseline
▲ 0.50% · 4.625%
HK$119,027
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,400/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,456
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,606
−HK$3,195/mo
Today · 4.125%
HK$123,801
baseline
▲ 0.50% · 4.625%
HK$130,327
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,602/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,229 · Scale 2, in force from 26 Feb 2026)