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$58,777
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,606
−HK$1,857/mo
Today · 4.125%
HK$62,463
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,926/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,389
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,143
−HK$1,779/mo
Today · 4.125%
HK$68,922
baseline
▲ 0.50% · 4.625%
HK$72,555
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,844/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,533
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,727
−HK$2,229/mo
Today · 4.125%
HK$74,956
baseline
▲ 0.50% · 4.625%
HK$79,517
+HK$4,561/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,912/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,467
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,572
−HK$2,135/mo
Today · 4.125%
HK$82,707
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,414/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,288
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,848
−HK$2,601/mo
Today · 4.125%
HK$87,449
baseline
▲ 0.50% · 4.625%
HK$92,770
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,898/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,545
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,000
−HK$2,491/mo
Today · 4.125%
HK$96,491
baseline
▲ 0.50% · 4.625%
HK$101,577
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,982/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,799
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,090
−HK$3,344/mo
Today · 4.125%
HK$112,434
baseline
▲ 0.50% · 4.625%
HK$119,275
+HK$6,841/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,868/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,701
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,858
−HK$3,202/mo
Today · 4.125%
HK$124,060
baseline
▲ 0.50% · 4.625%
HK$130,599
+HK$6,539/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,120/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,510 · Scale 2, in force from 26 Feb 2026)