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$58,409
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,226
−HK$1,846/mo
Today · 4.125%
HK$62,072
baseline
▲ 0.50% · 4.625%
HK$65,849
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,144/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,980
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,722
−HK$1,768/mo
Today · 4.125%
HK$68,490
baseline
▲ 0.50% · 4.625%
HK$72,101
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,980/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,091
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,271
−HK$2,215/mo
Today · 4.125%
HK$74,486
baseline
▲ 0.50% · 4.625%
HK$79,019
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,972/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,976
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,067
−HK$2,121/mo
Today · 4.125%
HK$82,188
baseline
▲ 0.50% · 4.625%
HK$86,521
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,376/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,773
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,317
−HK$2,584/mo
Today · 4.125%
HK$86,901
baseline
▲ 0.50% · 4.625%
HK$92,189
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,802/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,972
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,411
−HK$2,475/mo
Today · 4.125%
HK$95,886
baseline
▲ 0.50% · 4.625%
HK$100,941
+HK$5,055/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,772/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,137
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,407
−HK$3,323/mo
Today · 4.125%
HK$111,730
baseline
▲ 0.50% · 4.625%
HK$118,528
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,460/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,963
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,100
−HK$3,183/mo
Today · 4.125%
HK$123,283
baseline
▲ 0.50% · 4.625%
HK$129,781
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,566/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,647 · Scale 2, in force from 26 Feb 2026)