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$58,793
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,622
−HK$1,858/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$66,282
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,407
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,161
−HK$1,779/mo
Today · 4.125%
HK$68,940
baseline
▲ 0.50% · 4.625%
HK$72,574
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,880/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,552
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,746
−HK$2,230/mo
Today · 4.125%
HK$74,976
baseline
▲ 0.50% · 4.625%
HK$79,538
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,952/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,488
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,593
−HK$2,135/mo
Today · 4.125%
HK$82,728
baseline
▲ 0.50% · 4.625%
HK$87,089
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,456/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,310
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,871
−HK$2,601/mo
Today · 4.125%
HK$87,472
baseline
▲ 0.50% · 4.625%
HK$92,794
+HK$5,322/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,944/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,569
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,025
−HK$2,492/mo
Today · 4.125%
HK$96,517
baseline
▲ 0.50% · 4.625%
HK$101,604
+HK$5,087/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,034/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,827
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,119
−HK$3,345/mo
Today · 4.125%
HK$112,464
baseline
▲ 0.50% · 4.625%
HK$119,307
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,928/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,732
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,889
−HK$3,204/mo
Today · 4.125%
HK$124,093
baseline
▲ 0.50% · 4.625%
HK$130,634
+HK$6,541/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,186/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,800 · Scale 2, in force from 26 Feb 2026)