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$58,411
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,228
−HK$1,846/mo
Today · 4.125%
HK$62,074
baseline
▲ 0.50% · 4.625%
HK$65,851
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,148/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,982
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,724
−HK$1,768/mo
Today · 4.125%
HK$68,492
baseline
▲ 0.50% · 4.625%
HK$72,103
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,984/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,273
−HK$2,216/mo
Today · 4.125%
HK$74,489
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,978/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,978
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,069
−HK$2,122/mo
Today · 4.125%
HK$82,191
baseline
▲ 0.50% · 4.625%
HK$86,523
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,382/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,775
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,319
−HK$2,584/mo
Today · 4.125%
HK$86,903
baseline
▲ 0.50% · 4.625%
HK$92,191
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,806/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,974
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,414
−HK$2,475/mo
Today · 4.125%
HK$95,889
baseline
▲ 0.50% · 4.625%
HK$100,944
+HK$5,055/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,778/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,140
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,410
−HK$3,323/mo
Today · 4.125%
HK$111,733
baseline
▲ 0.50% · 4.625%
HK$118,532
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,466/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,967
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,104
−HK$3,182/mo
Today · 4.125%
HK$123,286
baseline
▲ 0.50% · 4.625%
HK$129,785
+HK$6,499/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,572/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,678 · Scale 2, in force from 26 Feb 2026)