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$58,652
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,476
−HK$1,854/mo
Today · 4.125%
HK$62,330
baseline
▲ 0.50% · 4.625%
HK$66,122
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,660/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,249
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$66,999
−HK$1,776/mo
Today · 4.125%
HK$68,775
baseline
▲ 0.50% · 4.625%
HK$72,400
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,550/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,382
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,571
−HK$2,224/mo
Today · 4.125%
HK$74,795
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,590/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,299
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,399
−HK$2,130/mo
Today · 4.125%
HK$82,529
baseline
▲ 0.50% · 4.625%
HK$86,880
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,058/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,112
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,666
−HK$2,595/mo
Today · 4.125%
HK$87,261
baseline
▲ 0.50% · 4.625%
HK$92,571
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,522/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,349
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,799
−HK$2,485/mo
Today · 4.125%
HK$96,284
baseline
▲ 0.50% · 4.625%
HK$101,360
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,568/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,573
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,857
−HK$3,336/mo
Today · 4.125%
HK$112,193
baseline
▲ 0.50% · 4.625%
HK$119,020
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,386/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,449
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,599
−HK$3,195/mo
Today · 4.125%
HK$123,794
baseline
▲ 0.50% · 4.625%
HK$130,320
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,588/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,164 · Scale 2, in force from 26 Feb 2026)