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$58,456
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,847/mo
Today · 4.125%
HK$62,122
baseline
▲ 0.50% · 4.625%
HK$65,902
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,244/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,032
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,776
−HK$1,769/mo
Today · 4.125%
HK$68,545
baseline
▲ 0.50% · 4.625%
HK$72,159
+HK$3,614/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$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,148
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,329
−HK$2,217/mo
Today · 4.125%
HK$74,546
baseline
▲ 0.50% · 4.625%
HK$79,082
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,092/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,038
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,131
−HK$2,124/mo
Today · 4.125%
HK$82,255
baseline
▲ 0.50% · 4.625%
HK$86,590
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,510/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,839
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,384
−HK$2,587/mo
Today · 4.125%
HK$86,971
baseline
▲ 0.50% · 4.625%
HK$92,263
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,942/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,045
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,487
−HK$2,477/mo
Today · 4.125%
HK$95,964
baseline
▲ 0.50% · 4.625%
HK$101,022
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,928/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,221
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,494
−HK$3,326/mo
Today · 4.125%
HK$111,820
baseline
▲ 0.50% · 4.625%
HK$118,624
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,640/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,058
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,197
−HK$3,185/mo
Today · 4.125%
HK$123,382
baseline
▲ 0.50% · 4.625%
HK$129,885
+HK$6,503/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,764/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,523 · Scale 2, in force from 26 Feb 2026)