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$58,722
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,549
−HK$1,856/mo
Today · 4.125%
HK$62,405
baseline
▲ 0.50% · 4.625%
HK$66,202
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,810/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,328
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$1,778/mo
Today · 4.125%
HK$68,858
baseline
▲ 0.50% · 4.625%
HK$72,487
+HK$3,629/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,716/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,467
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,659
−HK$2,227/mo
Today · 4.125%
HK$74,886
baseline
▲ 0.50% · 4.625%
HK$79,442
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,772/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,394
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,496
−HK$2,133/mo
Today · 4.125%
HK$82,629
baseline
▲ 0.50% · 4.625%
HK$86,985
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,258/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,211
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,769
−HK$2,598/mo
Today · 4.125%
HK$87,367
baseline
▲ 0.50% · 4.625%
HK$92,683
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,734/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,459
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,912
−HK$2,489/mo
Today · 4.125%
HK$96,401
baseline
▲ 0.50% · 4.625%
HK$101,482
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,802/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,700
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,988
−HK$3,341/mo
Today · 4.125%
HK$112,329
baseline
▲ 0.50% · 4.625%
HK$119,164
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,658/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,591
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,744
−HK$3,200/mo
Today · 4.125%
HK$123,944
baseline
▲ 0.50% · 4.625%
HK$130,477
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,888/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,483 · Scale 2, in force from 26 Feb 2026)