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$58,477
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,296
−HK$1,848/mo
Today · 4.125%
HK$62,144
baseline
▲ 0.50% · 4.625%
HK$65,925
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,288/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,055
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,800
−HK$1,770/mo
Today · 4.125%
HK$68,570
baseline
▲ 0.50% · 4.625%
HK$72,184
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,140/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,172
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,355
−HK$2,218/mo
Today · 4.125%
HK$74,573
baseline
▲ 0.50% · 4.625%
HK$79,110
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,146/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,066
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,159
−HK$2,124/mo
Today · 4.125%
HK$82,283
baseline
▲ 0.50% · 4.625%
HK$86,621
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,566/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,867
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,414
−HK$2,587/mo
Today · 4.125%
HK$87,001
baseline
▲ 0.50% · 4.625%
HK$92,295
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,002/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,077
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,519
−HK$2,478/mo
Today · 4.125%
HK$95,997
baseline
▲ 0.50% · 4.625%
HK$101,057
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,994/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,258
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,532
−HK$3,327/mo
Today · 4.125%
HK$111,859
baseline
▲ 0.50% · 4.625%
HK$118,665
+HK$6,806/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,718/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,099
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,239
−HK$3,186/mo
Today · 4.125%
HK$123,425
baseline
▲ 0.50% · 4.625%
HK$129,931
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,850/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,905 · Scale 2, in force from 26 Feb 2026)