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$58,679
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,504
−HK$1,854/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$66,153
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,280
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$1,776/mo
Today · 4.125%
HK$68,806
baseline
▲ 0.50% · 4.625%
HK$72,433
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,612/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,415
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,605
−HK$2,225/mo
Today · 4.125%
HK$74,830
baseline
▲ 0.50% · 4.625%
HK$79,383
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,660/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,336
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,436
−HK$2,132/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$86,920
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,150
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,706
−HK$2,596/mo
Today · 4.125%
HK$87,302
baseline
▲ 0.50% · 4.625%
HK$92,614
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,604/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,391
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,842
−HK$2,487/mo
Today · 4.125%
HK$96,329
baseline
▲ 0.50% · 4.625%
HK$101,407
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,658/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,622
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,907
−HK$3,338/mo
Today · 4.125%
HK$112,245
baseline
▲ 0.50% · 4.625%
HK$119,075
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,490/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,503
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,655
−HK$3,197/mo
Today · 4.125%
HK$123,852
baseline
▲ 0.50% · 4.625%
HK$130,380
+HK$6,528/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,704/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,671 · Scale 2, in force from 26 Feb 2026)