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$58,640
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,464
−HK$1,853/mo
Today · 4.125%
HK$62,317
baseline
▲ 0.50% · 4.625%
HK$66,109
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,634/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,236
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,986
−HK$1,775/mo
Today · 4.125%
HK$68,761
baseline
▲ 0.50% · 4.625%
HK$72,386
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,522/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,368
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,557
−HK$2,224/mo
Today · 4.125%
HK$74,781
baseline
▲ 0.50% · 4.625%
HK$79,331
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,562/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,284
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,383
−HK$2,130/mo
Today · 4.125%
HK$82,513
baseline
▲ 0.50% · 4.625%
HK$86,863
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,026/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,096
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,650
−HK$2,594/mo
Today · 4.125%
HK$87,244
baseline
▲ 0.50% · 4.625%
HK$92,553
+HK$5,309/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,488/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,331
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,781
−HK$2,484/mo
Today · 4.125%
HK$96,265
baseline
▲ 0.50% · 4.625%
HK$101,340
+HK$5,075/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,530/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,552
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,835
−HK$3,336/mo
Today · 4.125%
HK$112,171
baseline
▲ 0.50% · 4.625%
HK$118,997
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,342/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,426
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,575
−HK$3,195/mo
Today · 4.125%
HK$123,770
baseline
▲ 0.50% · 4.625%
HK$130,294
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,540/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,949 · Scale 2, in force from 26 Feb 2026)