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$58,530
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,350
−HK$1,850/mo
Today · 4.125%
HK$62,200
baseline
▲ 0.50% · 4.625%
HK$65,985
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,400/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,114
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,860
−HK$1,772/mo
Today · 4.125%
HK$68,632
baseline
▲ 0.50% · 4.625%
HK$72,249
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,264/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,236
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,421
−HK$2,219/mo
Today · 4.125%
HK$74,640
baseline
▲ 0.50% · 4.625%
HK$79,182
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,280/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,137
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,232
−HK$2,126/mo
Today · 4.125%
HK$82,358
baseline
▲ 0.50% · 4.625%
HK$86,699
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,716/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,942
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,491
−HK$2,589/mo
Today · 4.125%
HK$87,080
baseline
▲ 0.50% · 4.625%
HK$92,379
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,160/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,159
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,604
−HK$2,480/mo
Today · 4.125%
HK$96,084
baseline
▲ 0.50% · 4.625%
HK$101,149
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,168/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,354
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,631
−HK$3,329/mo
Today · 4.125%
HK$111,960
baseline
▲ 0.50% · 4.625%
HK$118,773
+HK$6,813/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,920/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,205
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,348
−HK$3,189/mo
Today · 4.125%
HK$123,537
baseline
▲ 0.50% · 4.625%
HK$130,049
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,074/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,895 · Scale 2, in force from 26 Feb 2026)