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$58,761
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,589
−HK$1,857/mo
Today · 4.125%
HK$62,446
baseline
▲ 0.50% · 4.625%
HK$66,246
+HK$3,800/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,892/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,371
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,125
−HK$1,778/mo
Today · 4.125%
HK$68,903
baseline
▲ 0.50% · 4.625%
HK$72,535
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,806/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,514
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,707
−HK$2,228/mo
Today · 4.125%
HK$74,935
baseline
▲ 0.50% · 4.625%
HK$79,495
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,870/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,446
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,550
−HK$2,134/mo
Today · 4.125%
HK$82,684
baseline
▲ 0.50% · 4.625%
HK$87,042
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,368/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,266
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,825
−HK$2,600/mo
Today · 4.125%
HK$87,425
baseline
▲ 0.50% · 4.625%
HK$92,744
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,850/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,520
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,975
−HK$2,490/mo
Today · 4.125%
HK$96,465
baseline
▲ 0.50% · 4.625%
HK$101,549
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,930/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,770
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,061
−HK$3,342/mo
Today · 4.125%
HK$112,403
baseline
▲ 0.50% · 4.625%
HK$119,243
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,806/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,669
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,824
−HK$3,202/mo
Today · 4.125%
HK$124,026
baseline
▲ 0.50% · 4.625%
HK$130,563
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,052/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,210 · Scale 2, in force from 26 Feb 2026)