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$58,514
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,335
−HK$1,849/mo
Today · 4.125%
HK$62,184
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,784/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,368/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,097
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$1,771/mo
Today · 4.125%
HK$68,614
baseline
▲ 0.50% · 4.625%
HK$72,230
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,228/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,217
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,401
−HK$2,220/mo
Today · 4.125%
HK$74,621
baseline
▲ 0.50% · 4.625%
HK$79,161
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,242/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,116
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,211
−HK$2,125/mo
Today · 4.125%
HK$82,336
baseline
▲ 0.50% · 4.625%
HK$86,677
+HK$4,341/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,672/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,920
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,468
−HK$2,589/mo
Today · 4.125%
HK$87,057
baseline
▲ 0.50% · 4.625%
HK$92,355
+HK$5,298/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,114/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,135
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,580
−HK$2,479/mo
Today · 4.125%
HK$96,059
baseline
▲ 0.50% · 4.625%
HK$101,123
+HK$5,064/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,118/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,326
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,602
−HK$3,329/mo
Today · 4.125%
HK$111,931
baseline
▲ 0.50% · 4.625%
HK$118,742
+HK$6,811/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,862/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,174
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,317
−HK$3,188/mo
Today · 4.125%
HK$123,505
baseline
▲ 0.50% · 4.625%
HK$130,015
+HK$6,510/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,010/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,608 · Scale 2, in force from 26 Feb 2026)