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$58,742
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,569
−HK$1,857/mo
Today · 4.125%
HK$62,426
baseline
▲ 0.50% · 4.625%
HK$66,224
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,852/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,350
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,103
−HK$1,778/mo
Today · 4.125%
HK$68,881
baseline
▲ 0.50% · 4.625%
HK$72,511
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,762/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,490
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,683
−HK$2,228/mo
Today · 4.125%
HK$74,911
baseline
▲ 0.50% · 4.625%
HK$79,469
+HK$4,558/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$149,822/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,420
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,523
−HK$2,134/mo
Today · 4.125%
HK$82,657
baseline
▲ 0.50% · 4.625%
HK$87,014
+HK$4,357/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$165,314/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,239
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,797
−HK$2,599/mo
Today · 4.125%
HK$87,396
baseline
▲ 0.50% · 4.625%
HK$92,714
+HK$5,318/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,792/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,490
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,944
−HK$2,489/mo
Today · 4.125%
HK$96,433
baseline
▲ 0.50% · 4.625%
HK$101,516
+HK$5,083/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,866/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,736
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,025
−HK$3,341/mo
Today · 4.125%
HK$112,366
baseline
▲ 0.50% · 4.625%
HK$119,203
+HK$6,837/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,732/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,630
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,785
−HK$3,200/mo
Today · 4.125%
HK$123,985
baseline
▲ 0.50% · 4.625%
HK$130,520
+HK$6,535/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$247,970/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,849 · Scale 2, in force from 26 Feb 2026)