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$58,481
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,300
−HK$1,848/mo
Today · 4.125%
HK$62,148
baseline
▲ 0.50% · 4.625%
HK$65,930
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,296/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,059
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,804
−HK$1,770/mo
Today · 4.125%
HK$68,574
baseline
▲ 0.50% · 4.625%
HK$72,189
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,148/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,177
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,360
−HK$2,218/mo
Today · 4.125%
HK$74,578
baseline
▲ 0.50% · 4.625%
HK$79,115
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,156/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,071
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,165
−HK$2,124/mo
Today · 4.125%
HK$82,289
baseline
▲ 0.50% · 4.625%
HK$86,627
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,578/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,873
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,420
−HK$2,587/mo
Today · 4.125%
HK$87,007
baseline
▲ 0.50% · 4.625%
HK$92,301
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,014/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,083
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,526
−HK$2,478/mo
Today · 4.125%
HK$96,004
baseline
▲ 0.50% · 4.625%
HK$101,064
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,008/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,265
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,540
−HK$3,326/mo
Today · 4.125%
HK$111,866
baseline
▲ 0.50% · 4.625%
HK$118,673
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,732/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,107
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,247
−HK$3,187/mo
Today · 4.125%
HK$123,434
baseline
▲ 0.50% · 4.625%
HK$129,940
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,868/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,979 · Scale 2, in force from 26 Feb 2026)