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$58,419
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,237
−HK$1,846/mo
Today · 4.125%
HK$62,083
baseline
▲ 0.50% · 4.625%
HK$65,860
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,166/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,991
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,734
−HK$1,768/mo
Today · 4.125%
HK$68,502
baseline
▲ 0.50% · 4.625%
HK$72,113
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,004/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,103
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,284
−HK$2,215/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,989
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,081
−HK$2,122/mo
Today · 4.125%
HK$82,203
baseline
▲ 0.50% · 4.625%
HK$86,536
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,406/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,787
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,331
−HK$2,585/mo
Today · 4.125%
HK$86,916
baseline
▲ 0.50% · 4.625%
HK$92,205
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,832/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,987
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,428
−HK$2,475/mo
Today · 4.125%
HK$95,903
baseline
▲ 0.50% · 4.625%
HK$100,958
+HK$5,055/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,806/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,155
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,426
−HK$3,323/mo
Today · 4.125%
HK$111,749
baseline
▲ 0.50% · 4.625%
HK$118,549
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,498/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,984
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,121
−HK$3,183/mo
Today · 4.125%
HK$123,304
baseline
▲ 0.50% · 4.625%
HK$129,804
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,608/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,837 · Scale 2, in force from 26 Feb 2026)