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$58,674
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,499
−HK$1,854/mo
Today · 4.125%
HK$62,353
baseline
▲ 0.50% · 4.625%
HK$66,147
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,706/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,274
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$1,776/mo
Today · 4.125%
HK$68,801
baseline
▲ 0.50% · 4.625%
HK$72,427
+HK$3,626/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,602/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,409
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,599
−HK$2,225/mo
Today · 4.125%
HK$74,824
baseline
▲ 0.50% · 4.625%
HK$79,377
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,648/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,329
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,430
−HK$2,131/mo
Today · 4.125%
HK$82,561
baseline
▲ 0.50% · 4.625%
HK$86,913
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,122/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,143
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,699
−HK$2,595/mo
Today · 4.125%
HK$87,294
baseline
▲ 0.50% · 4.625%
HK$92,606
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,588/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,384
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,835
−HK$2,486/mo
Today · 4.125%
HK$96,321
baseline
▲ 0.50% · 4.625%
HK$101,398
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,642/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,613
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,898
−HK$3,338/mo
Today · 4.125%
HK$112,236
baseline
▲ 0.50% · 4.625%
HK$119,065
+HK$6,829/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,472/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,493
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,644
−HK$3,197/mo
Today · 4.125%
HK$123,841
baseline
▲ 0.50% · 4.625%
HK$130,369
+HK$6,528/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,682/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,579 · Scale 2, in force from 26 Feb 2026)