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$58,724
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,551
−HK$1,856/mo
Today · 4.125%
HK$62,407
baseline
▲ 0.50% · 4.625%
HK$66,204
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,814/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$1,778/mo
Today · 4.125%
HK$68,860
baseline
▲ 0.50% · 4.625%
HK$72,490
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,720/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,469
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,661
−HK$2,227/mo
Today · 4.125%
HK$74,888
baseline
▲ 0.50% · 4.625%
HK$79,445
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,776/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,396
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,499
−HK$2,133/mo
Today · 4.125%
HK$82,632
baseline
▲ 0.50% · 4.625%
HK$86,988
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,264/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,214
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,771
−HK$2,599/mo
Today · 4.125%
HK$87,370
baseline
▲ 0.50% · 4.625%
HK$92,686
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,740/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,462
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,915
−HK$2,489/mo
Today · 4.125%
HK$96,404
baseline
▲ 0.50% · 4.625%
HK$101,485
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,808/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,704
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,992
−HK$3,340/mo
Today · 4.125%
HK$112,332
baseline
▲ 0.50% · 4.625%
HK$119,168
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,664/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,595
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,748
−HK$3,200/mo
Today · 4.125%
HK$123,948
baseline
▲ 0.50% · 4.625%
HK$130,481
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,896/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,521 · Scale 2, in force from 26 Feb 2026)