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$58,590
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,412
−HK$1,852/mo
Today · 4.125%
HK$62,264
baseline
▲ 0.50% · 4.625%
HK$66,053
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,528/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,181
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,929
−HK$1,773/mo
Today · 4.125%
HK$68,702
baseline
▲ 0.50% · 4.625%
HK$72,324
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,404/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,308
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,495
−HK$2,222/mo
Today · 4.125%
HK$74,717
baseline
▲ 0.50% · 4.625%
HK$79,263
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,434/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,217
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,314
−HK$2,129/mo
Today · 4.125%
HK$82,443
baseline
▲ 0.50% · 4.625%
HK$86,788
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,886/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,026
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,577
−HK$2,593/mo
Today · 4.125%
HK$87,170
baseline
▲ 0.50% · 4.625%
HK$92,474
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,340/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,253
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,700
−HK$2,483/mo
Today · 4.125%
HK$96,183
baseline
▲ 0.50% · 4.625%
HK$101,253
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,366/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,462
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,742
−HK$3,333/mo
Today · 4.125%
HK$112,075
baseline
▲ 0.50% · 4.625%
HK$118,895
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,150/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,325
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,472
−HK$3,192/mo
Today · 4.125%
HK$123,664
baseline
▲ 0.50% · 4.625%
HK$130,182
+HK$6,518/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,328/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,013 · Scale 2, in force from 26 Feb 2026)