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$58,551
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,373
−HK$1,850/mo
Today · 4.125%
HK$62,223
baseline
▲ 0.50% · 4.625%
HK$66,009
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,446/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,138
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,885
−HK$1,772/mo
Today · 4.125%
HK$68,657
baseline
▲ 0.50% · 4.625%
HK$72,276
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,314/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,261
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,447
−HK$2,221/mo
Today · 4.125%
HK$74,668
baseline
▲ 0.50% · 4.625%
HK$79,211
+HK$4,543/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,336/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,165
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,262
−HK$2,126/mo
Today · 4.125%
HK$82,388
baseline
▲ 0.50% · 4.625%
HK$86,731
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,776/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,972
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,522
−HK$2,590/mo
Today · 4.125%
HK$87,112
baseline
▲ 0.50% · 4.625%
HK$92,413
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,224/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,193
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,638
−HK$2,482/mo
Today · 4.125%
HK$96,120
baseline
▲ 0.50% · 4.625%
HK$101,186
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,240/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,392
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,671
−HK$3,330/mo
Today · 4.125%
HK$112,001
baseline
▲ 0.50% · 4.625%
HK$118,816
+HK$6,815/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,002/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,248
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,392
−HK$3,190/mo
Today · 4.125%
HK$123,582
baseline
▲ 0.50% · 4.625%
HK$130,097
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,164/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,294 · Scale 2, in force from 26 Feb 2026)