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$58,419
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,236
−HK$1,846/mo
Today · 4.125%
HK$62,082
baseline
▲ 0.50% · 4.625%
HK$65,860
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,164/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,990
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,733
−HK$1,768/mo
Today · 4.125%
HK$68,501
baseline
▲ 0.50% · 4.625%
HK$72,112
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,002/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,102
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,283
−HK$2,216/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$79,032
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,988
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,122/mo
Today · 4.125%
HK$82,202
baseline
▲ 0.50% · 4.625%
HK$86,535
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,404/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,786
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,330
−HK$2,585/mo
Today · 4.125%
HK$86,915
baseline
▲ 0.50% · 4.625%
HK$92,204
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,830/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,986
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,427
−HK$2,475/mo
Today · 4.125%
HK$95,902
baseline
▲ 0.50% · 4.625%
HK$100,957
+HK$5,055/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,804/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,154
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,425
−HK$3,323/mo
Today · 4.125%
HK$111,748
baseline
▲ 0.50% · 4.625%
HK$118,547
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,496/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,982
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,120
−HK$3,183/mo
Today · 4.125%
HK$123,303
baseline
▲ 0.50% · 4.625%
HK$129,802
+HK$6,499/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,606/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,824 · Scale 2, in force from 26 Feb 2026)