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$58,424
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,846/mo
Today · 4.125%
HK$62,088
baseline
▲ 0.50% · 4.625%
HK$65,866
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,176/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,996
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$1,768/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,119
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,109
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,290
−HK$2,216/mo
Today · 4.125%
HK$74,506
baseline
▲ 0.50% · 4.625%
HK$79,039
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,012/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,996
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,087
−HK$2,122/mo
Today · 4.125%
HK$82,209
baseline
▲ 0.50% · 4.625%
HK$86,543
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,418/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,794
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,338
−HK$2,585/mo
Today · 4.125%
HK$86,923
baseline
▲ 0.50% · 4.625%
HK$92,212
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,846/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,995
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,435
−HK$2,476/mo
Today · 4.125%
HK$95,911
baseline
▲ 0.50% · 4.625%
HK$100,967
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,822/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,164
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,435
−HK$3,323/mo
Today · 4.125%
HK$111,758
baseline
▲ 0.50% · 4.625%
HK$118,559
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,516/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,993
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,131
−HK$3,183/mo
Today · 4.125%
HK$123,314
baseline
▲ 0.50% · 4.625%
HK$129,814
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,628/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,926 · Scale 2, in force from 26 Feb 2026)