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$58,553
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,375
−HK$1,850/mo
Today · 4.125%
HK$62,225
baseline
▲ 0.50% · 4.625%
HK$66,011
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,450/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,140
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,887
−HK$1,772/mo
Today · 4.125%
HK$68,659
baseline
▲ 0.50% · 4.625%
HK$72,279
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,318/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,264
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,450
−HK$2,220/mo
Today · 4.125%
HK$74,670
baseline
▲ 0.50% · 4.625%
HK$79,214
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,340/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,168
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,265
−HK$2,126/mo
Today · 4.125%
HK$82,391
baseline
▲ 0.50% · 4.625%
HK$86,734
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,782/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,975
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,525
−HK$2,590/mo
Today · 4.125%
HK$87,115
baseline
▲ 0.50% · 4.625%
HK$92,416
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,230/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,196
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,642
−HK$2,481/mo
Today · 4.125%
HK$96,123
baseline
▲ 0.50% · 4.625%
HK$101,190
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,246/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,396
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,675
−HK$3,330/mo
Today · 4.125%
HK$112,005
baseline
▲ 0.50% · 4.625%
HK$118,821
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,010/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,252
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,397
−HK$3,190/mo
Today · 4.125%
HK$123,587
baseline
▲ 0.50% · 4.625%
HK$130,101
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,174/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,334 · Scale 2, in force from 26 Feb 2026)