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$58,465
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,284
−HK$1,848/mo
Today · 4.125%
HK$62,132
baseline
▲ 0.50% · 4.625%
HK$65,912
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,264/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,042
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,787
−HK$1,769/mo
Today · 4.125%
HK$68,556
baseline
▲ 0.50% · 4.625%
HK$72,170
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,112/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,159
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,341
−HK$2,217/mo
Today · 4.125%
HK$74,558
baseline
▲ 0.50% · 4.625%
HK$79,095
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,116/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,051
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,144
−HK$2,123/mo
Today · 4.125%
HK$82,267
baseline
▲ 0.50% · 4.625%
HK$86,604
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,534/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,852
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,398
−HK$2,586/mo
Today · 4.125%
HK$86,984
baseline
▲ 0.50% · 4.625%
HK$92,277
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,968/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,059
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,501
−HK$2,478/mo
Today · 4.125%
HK$95,979
baseline
▲ 0.50% · 4.625%
HK$101,038
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,958/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,238
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,511
−HK$3,326/mo
Today · 4.125%
HK$111,837
baseline
▲ 0.50% · 4.625%
HK$118,642
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,674/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,076
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,216
−HK$3,185/mo
Today · 4.125%
HK$123,401
baseline
▲ 0.50% · 4.625%
HK$129,906
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,802/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,694 · Scale 2, in force from 26 Feb 2026)