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$58,435
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,252
−HK$1,847/mo
Today · 4.125%
HK$62,099
baseline
▲ 0.50% · 4.625%
HK$65,878
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,198/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,008
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,752
−HK$1,768/mo
Today · 4.125%
HK$68,520
baseline
▲ 0.50% · 4.625%
HK$72,132
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,040/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,122
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,303
−HK$2,216/mo
Today · 4.125%
HK$74,519
baseline
▲ 0.50% · 4.625%
HK$79,053
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,038/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,010
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,102
−HK$2,122/mo
Today · 4.125%
HK$82,224
baseline
▲ 0.50% · 4.625%
HK$86,559
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,448/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,809
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,353
−HK$2,586/mo
Today · 4.125%
HK$86,939
baseline
▲ 0.50% · 4.625%
HK$92,229
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,878/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,011
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,452
−HK$2,476/mo
Today · 4.125%
HK$95,928
baseline
▲ 0.50% · 4.625%
HK$100,985
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,856/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,183
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,454
−HK$3,325/mo
Today · 4.125%
HK$111,779
baseline
▲ 0.50% · 4.625%
HK$118,580
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,558/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,015
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,153
−HK$3,184/mo
Today · 4.125%
HK$123,337
baseline
▲ 0.50% · 4.625%
HK$129,838
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,674/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,124 · Scale 2, in force from 26 Feb 2026)