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$58,760
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,587
−HK$1,857/mo
Today · 4.125%
HK$62,444
baseline
▲ 0.50% · 4.625%
HK$66,244
+HK$3,800/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,888/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,369
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$1,778/mo
Today · 4.125%
HK$68,901
baseline
▲ 0.50% · 4.625%
HK$72,533
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,802/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,511
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,705
−HK$2,228/mo
Today · 4.125%
HK$74,933
baseline
▲ 0.50% · 4.625%
HK$79,493
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,866/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,443
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,547
−HK$2,134/mo
Today · 4.125%
HK$82,681
baseline
▲ 0.50% · 4.625%
HK$87,040
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,362/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,263
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,822
−HK$2,600/mo
Today · 4.125%
HK$87,422
baseline
▲ 0.50% · 4.625%
HK$92,741
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,844/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,517
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,972
−HK$2,490/mo
Today · 4.125%
HK$96,462
baseline
▲ 0.50% · 4.625%
HK$101,546
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,924/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,767
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,057
−HK$3,343/mo
Today · 4.125%
HK$112,400
baseline
▲ 0.50% · 4.625%
HK$119,239
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,800/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,665
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,821
−HK$3,201/mo
Today · 4.125%
HK$124,022
baseline
▲ 0.50% · 4.625%
HK$130,559
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,044/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,176 · Scale 2, in force from 26 Feb 2026)