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$58,480
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,848/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,929
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$1,770/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,188
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,176
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,359
−HK$2,218/mo
Today · 4.125%
HK$74,577
baseline
▲ 0.50% · 4.625%
HK$79,114
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,154/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,070
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,164
−HK$2,124/mo
Today · 4.125%
HK$82,288
baseline
▲ 0.50% · 4.625%
HK$86,626
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,576/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,872
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,419
−HK$2,587/mo
Today · 4.125%
HK$87,006
baseline
▲ 0.50% · 4.625%
HK$92,300
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,012/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,082
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,525
−HK$2,478/mo
Today · 4.125%
HK$96,003
baseline
▲ 0.50% · 4.625%
HK$101,063
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,006/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,264
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,538
−HK$3,327/mo
Today · 4.125%
HK$111,865
baseline
▲ 0.50% · 4.625%
HK$118,672
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,730/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,105
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,246
−HK$3,186/mo
Today · 4.125%
HK$123,432
baseline
▲ 0.50% · 4.625%
HK$129,938
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,864/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,966 · Scale 2, in force from 26 Feb 2026)