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$58,774
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,602
−HK$1,857/mo
Today · 4.125%
HK$62,459
baseline
▲ 0.50% · 4.625%
HK$66,260
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,918/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,385
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,139
−HK$1,779/mo
Today · 4.125%
HK$68,918
baseline
▲ 0.50% · 4.625%
HK$72,551
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,836/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,529
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,722
−HK$2,229/mo
Today · 4.125%
HK$74,951
baseline
▲ 0.50% · 4.625%
HK$79,512
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,902/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,462
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,134/mo
Today · 4.125%
HK$82,701
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,402/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,283
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,843
−HK$2,600/mo
Today · 4.125%
HK$87,443
baseline
▲ 0.50% · 4.625%
HK$92,764
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,886/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,539
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,994
−HK$2,491/mo
Today · 4.125%
HK$96,485
baseline
▲ 0.50% · 4.625%
HK$101,571
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,970/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,793
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,084
−HK$3,343/mo
Today · 4.125%
HK$112,427
baseline
▲ 0.50% · 4.625%
HK$119,268
+HK$6,841/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,854/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,694
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,850
−HK$3,202/mo
Today · 4.125%
HK$124,052
baseline
▲ 0.50% · 4.625%
HK$130,591
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,104/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,442 · Scale 2, in force from 26 Feb 2026)