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$58,478
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,848/mo
Today · 4.125%
HK$62,145
baseline
▲ 0.50% · 4.625%
HK$65,927
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,290/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,057
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,801
−HK$1,770/mo
Today · 4.125%
HK$68,571
baseline
▲ 0.50% · 4.625%
HK$72,186
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,142/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,174
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,357
−HK$2,218/mo
Today · 4.125%
HK$74,575
baseline
▲ 0.50% · 4.625%
HK$79,112
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,150/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,068
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,162
−HK$2,124/mo
Today · 4.125%
HK$82,286
baseline
▲ 0.50% · 4.625%
HK$86,623
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,572/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,870
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,416
−HK$2,588/mo
Today · 4.125%
HK$87,004
baseline
▲ 0.50% · 4.625%
HK$92,298
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,008/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,079
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,522
−HK$2,478/mo
Today · 4.125%
HK$96,000
baseline
▲ 0.50% · 4.625%
HK$101,060
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,000/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,535
−HK$3,327/mo
Today · 4.125%
HK$111,862
baseline
▲ 0.50% · 4.625%
HK$118,668
+HK$6,806/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,724/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,102
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,242
−HK$3,186/mo
Today · 4.125%
HK$123,428
baseline
▲ 0.50% · 4.625%
HK$129,935
+HK$6,507/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,856/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,935 · Scale 2, in force from 26 Feb 2026)