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$58,750
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,578
−HK$1,857/mo
Today · 4.125%
HK$62,435
baseline
▲ 0.50% · 4.625%
HK$66,234
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,870/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,359
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,112
−HK$1,778/mo
Today · 4.125%
HK$68,890
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,780/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,501
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,694
−HK$2,228/mo
Today · 4.125%
HK$74,922
baseline
▲ 0.50% · 4.625%
HK$79,480
+HK$4,558/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,844/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,431
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,535
−HK$2,134/mo
Today · 4.125%
HK$82,669
baseline
▲ 0.50% · 4.625%
HK$87,026
+HK$4,357/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,338/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,251
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,809
−HK$2,599/mo
Today · 4.125%
HK$87,408
baseline
▲ 0.50% · 4.625%
HK$92,727
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,816/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,503
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,957
−HK$2,490/mo
Today · 4.125%
HK$96,447
baseline
▲ 0.50% · 4.625%
HK$101,530
+HK$5,083/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,894/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,751
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,040
−HK$3,342/mo
Today · 4.125%
HK$112,382
baseline
▲ 0.50% · 4.625%
HK$119,221
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,764/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,647
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,802
−HK$3,201/mo
Today · 4.125%
HK$124,003
baseline
▲ 0.50% · 4.625%
HK$130,539
+HK$6,536/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,006/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,006 · Scale 2, in force from 26 Feb 2026)