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$58,430
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,247
−HK$1,847/mo
Today · 4.125%
HK$62,094
baseline
▲ 0.50% · 4.625%
HK$65,872
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,188/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,746
−HK$1,768/mo
Today · 4.125%
HK$68,514
baseline
▲ 0.50% · 4.625%
HK$72,126
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,028/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,116
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,297
−HK$2,216/mo
Today · 4.125%
HK$74,513
baseline
▲ 0.50% · 4.625%
HK$79,046
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,026/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,003
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,095
−HK$2,122/mo
Today · 4.125%
HK$82,217
baseline
▲ 0.50% · 4.625%
HK$86,551
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,434/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,802
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,346
−HK$2,585/mo
Today · 4.125%
HK$86,931
baseline
▲ 0.50% · 4.625%
HK$92,221
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,862/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,003
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,444
−HK$2,476/mo
Today · 4.125%
HK$95,920
baseline
▲ 0.50% · 4.625%
HK$100,976
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,840/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,173
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,445
−HK$3,324/mo
Today · 4.125%
HK$111,769
baseline
▲ 0.50% · 4.625%
HK$118,570
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,538/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,004
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,142
−HK$3,184/mo
Today · 4.125%
HK$123,326
baseline
▲ 0.50% · 4.625%
HK$129,826
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,652/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,028 · Scale 2, in force from 26 Feb 2026)