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$58,401
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,846/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,840
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$1,768/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,082
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,262
−HK$2,214/mo
Today · 4.125%
HK$74,476
baseline
▲ 0.50% · 4.625%
HK$79,008
+HK$4,532/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,952/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,965
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,056
−HK$2,121/mo
Today · 4.125%
HK$82,177
baseline
▲ 0.50% · 4.625%
HK$86,509
+HK$4,332/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,354/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,762
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,305
−HK$2,584/mo
Today · 4.125%
HK$86,889
baseline
▲ 0.50% · 4.625%
HK$92,176
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,778/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,959
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,399
−HK$2,475/mo
Today · 4.125%
HK$95,874
baseline
▲ 0.50% · 4.625%
HK$100,927
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,748/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,122
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,392
−HK$3,323/mo
Today · 4.125%
HK$111,715
baseline
▲ 0.50% · 4.625%
HK$118,512
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,430/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,948
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,084
−HK$3,182/mo
Today · 4.125%
HK$123,266
baseline
▲ 0.50% · 4.625%
HK$129,763
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,532/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,499 · Scale 2, in force from 26 Feb 2026)