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$58,458
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,276
−HK$1,847/mo
Today · 4.125%
HK$62,123
baseline
▲ 0.50% · 4.625%
HK$65,904
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,246/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,034
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,778
−HK$1,769/mo
Today · 4.125%
HK$68,547
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,094/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,149
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,331
−HK$2,217/mo
Today · 4.125%
HK$74,548
baseline
▲ 0.50% · 4.625%
HK$79,084
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,096/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,133
−HK$2,124/mo
Today · 4.125%
HK$82,257
baseline
▲ 0.50% · 4.625%
HK$86,592
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,514/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,841
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,386
−HK$2,587/mo
Today · 4.125%
HK$86,973
baseline
▲ 0.50% · 4.625%
HK$92,265
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,946/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,047
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,489
−HK$2,477/mo
Today · 4.125%
HK$95,966
baseline
▲ 0.50% · 4.625%
HK$101,025
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,932/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,224
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,497
−HK$3,325/mo
Today · 4.125%
HK$111,822
baseline
▲ 0.50% · 4.625%
HK$118,626
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,644/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,060
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,200
−HK$3,185/mo
Today · 4.125%
HK$123,385
baseline
▲ 0.50% · 4.625%
HK$129,889
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,770/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,550 · Scale 2, in force from 26 Feb 2026)