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$58,508
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,328
−HK$1,849/mo
Today · 4.125%
HK$62,177
baseline
▲ 0.50% · 4.625%
HK$65,960
+HK$3,783/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,354/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,089
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,835
−HK$1,771/mo
Today · 4.125%
HK$68,606
baseline
▲ 0.50% · 4.625%
HK$72,222
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,212/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,209
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,393
−HK$2,219/mo
Today · 4.125%
HK$74,612
baseline
▲ 0.50% · 4.625%
HK$79,152
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,224/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,107
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,202
−HK$2,125/mo
Today · 4.125%
HK$82,327
baseline
▲ 0.50% · 4.625%
HK$86,667
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,654/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,911
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,459
−HK$2,588/mo
Today · 4.125%
HK$87,047
baseline
▲ 0.50% · 4.625%
HK$92,344
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,094/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,125
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,569
−HK$2,479/mo
Today · 4.125%
HK$96,048
baseline
▲ 0.50% · 4.625%
HK$101,111
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,096/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,314
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,590
−HK$3,328/mo
Today · 4.125%
HK$111,918
baseline
▲ 0.50% · 4.625%
HK$118,728
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,836/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,161
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,303
−HK$3,187/mo
Today · 4.125%
HK$123,490
baseline
▲ 0.50% · 4.625%
HK$130,000
+HK$6,510/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,980/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,482 · Scale 2, in force from 26 Feb 2026)