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$58,455
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,274
−HK$1,847/mo
Today · 4.125%
HK$62,121
baseline
▲ 0.50% · 4.625%
HK$65,901
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,242/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,031
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$1,770/mo
Today · 4.125%
HK$68,545
baseline
▲ 0.50% · 4.625%
HK$72,158
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,090/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,147
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,328
−HK$2,217/mo
Today · 4.125%
HK$74,545
baseline
▲ 0.50% · 4.625%
HK$79,081
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,090/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,037
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,130
−HK$2,123/mo
Today · 4.125%
HK$82,253
baseline
▲ 0.50% · 4.625%
HK$86,589
+HK$4,336/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,506/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,838
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,383
−HK$2,587/mo
Today · 4.125%
HK$86,970
baseline
▲ 0.50% · 4.625%
HK$92,261
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,940/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,044
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,485
−HK$2,477/mo
Today · 4.125%
HK$95,962
baseline
▲ 0.50% · 4.625%
HK$101,021
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,924/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,220
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,493
−HK$3,325/mo
Today · 4.125%
HK$111,818
baseline
▲ 0.50% · 4.625%
HK$118,622
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,636/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,056
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,195
−HK$3,185/mo
Today · 4.125%
HK$123,380
baseline
▲ 0.50% · 4.625%
HK$129,884
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,760/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,508 · Scale 2, in force from 26 Feb 2026)