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$58,527
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,348
−HK$1,849/mo
Today · 4.125%
HK$62,197
baseline
▲ 0.50% · 4.625%
HK$65,982
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,394/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,111
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,857
−HK$1,772/mo
Today · 4.125%
HK$68,629
baseline
▲ 0.50% · 4.625%
HK$72,246
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,258/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,233
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,417
−HK$2,220/mo
Today · 4.125%
HK$74,637
baseline
▲ 0.50% · 4.625%
HK$79,178
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,274/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,133
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,229
−HK$2,125/mo
Today · 4.125%
HK$82,354
baseline
▲ 0.50% · 4.625%
HK$86,695
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,708/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,938
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,487
−HK$2,589/mo
Today · 4.125%
HK$87,076
baseline
▲ 0.50% · 4.625%
HK$92,375
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,152/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,155
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,600
−HK$2,480/mo
Today · 4.125%
HK$96,080
baseline
▲ 0.50% · 4.625%
HK$101,145
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,160/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,349
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,626
−HK$3,329/mo
Today · 4.125%
HK$111,955
baseline
▲ 0.50% · 4.625%
HK$118,767
+HK$6,812/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,910/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,200
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,343
−HK$3,188/mo
Today · 4.125%
HK$123,531
baseline
▲ 0.50% · 4.625%
HK$130,043
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,062/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,844 · Scale 2, in force from 26 Feb 2026)