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$58,810
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,639
−HK$1,859/mo
Today · 4.125%
HK$62,498
baseline
▲ 0.50% · 4.625%
HK$66,300
+HK$3,802/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$124,996/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,425
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,180
−HK$1,780/mo
Today · 4.125%
HK$68,960
baseline
▲ 0.50% · 4.625%
HK$72,595
+HK$3,635/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,920/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,572
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,767
−HK$2,230/mo
Today · 4.125%
HK$74,997
baseline
▲ 0.50% · 4.625%
HK$79,561
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$149,994/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,510
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,616
−HK$2,136/mo
Today · 4.125%
HK$82,752
baseline
▲ 0.50% · 4.625%
HK$87,114
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$165,504/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,334
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,895
−HK$2,602/mo
Today · 4.125%
HK$87,497
baseline
▲ 0.50% · 4.625%
HK$92,821
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,994/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,595
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,052
−HK$2,492/mo
Today · 4.125%
HK$96,544
baseline
▲ 0.50% · 4.625%
HK$101,633
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,088/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,858
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,150
−HK$3,346/mo
Today · 4.125%
HK$112,496
baseline
▲ 0.50% · 4.625%
HK$119,341
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,992/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,765
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,924
−HK$3,204/mo
Today · 4.125%
HK$124,128
baseline
▲ 0.50% · 4.625%
HK$130,671
+HK$6,543/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,256/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,111 · Scale 2, in force from 26 Feb 2026)