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$58,806
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,635
−HK$1,858/mo
Today · 4.125%
HK$62,493
baseline
▲ 0.50% · 4.625%
HK$66,296
+HK$3,803/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,986/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,175
−HK$1,780/mo
Today · 4.125%
HK$68,955
baseline
▲ 0.50% · 4.625%
HK$72,590
+HK$3,635/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,910/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$2,230/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$79,555
+HK$4,563/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,505
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,610
−HK$2,136/mo
Today · 4.125%
HK$82,746
baseline
▲ 0.50% · 4.625%
HK$87,108
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$165,492/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,328
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,889
−HK$2,601/mo
Today · 4.125%
HK$87,490
baseline
▲ 0.50% · 4.625%
HK$92,814
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,980/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,589
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,045
−HK$2,492/mo
Today · 4.125%
HK$96,537
baseline
▲ 0.50% · 4.625%
HK$101,626
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,074/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,850
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,143
−HK$3,345/mo
Today · 4.125%
HK$112,488
baseline
▲ 0.50% · 4.625%
HK$119,332
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,976/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,757
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,915
−HK$3,204/mo
Today · 4.125%
HK$124,119
baseline
▲ 0.50% · 4.625%
HK$130,662
+HK$6,543/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,238/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,096,033 · Scale 2, in force from 26 Feb 2026)