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$58,677
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,502
−HK$1,855/mo
Today · 4.125%
HK$62,357
baseline
▲ 0.50% · 4.625%
HK$66,151
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,714/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,278
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,028
−HK$1,776/mo
Today · 4.125%
HK$68,804
baseline
▲ 0.50% · 4.625%
HK$72,431
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,608/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,603
−HK$2,225/mo
Today · 4.125%
HK$74,828
baseline
▲ 0.50% · 4.625%
HK$79,381
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,656/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,333
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,434
−HK$2,131/mo
Today · 4.125%
HK$82,565
baseline
▲ 0.50% · 4.625%
HK$86,917
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,130/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,148
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,703
−HK$2,596/mo
Today · 4.125%
HK$87,299
baseline
▲ 0.50% · 4.625%
HK$92,611
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,598/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,389
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,840
−HK$2,486/mo
Today · 4.125%
HK$96,326
baseline
▲ 0.50% · 4.625%
HK$101,404
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,652/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,619
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,904
−HK$3,338/mo
Today · 4.125%
HK$112,242
baseline
▲ 0.50% · 4.625%
HK$119,072
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,484/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,500
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,651
−HK$3,197/mo
Today · 4.125%
HK$123,848
baseline
▲ 0.50% · 4.625%
HK$130,376
+HK$6,528/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,696/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,638 · Scale 2, in force from 26 Feb 2026)