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$58,448
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,266
−HK$1,847/mo
Today · 4.125%
HK$62,113
baseline
▲ 0.50% · 4.625%
HK$65,892
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,226/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,766
−HK$1,769/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,148
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,319
−HK$2,216/mo
Today · 4.125%
HK$74,535
baseline
▲ 0.50% · 4.625%
HK$79,071
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,070/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,027
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,119
−HK$2,123/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$86,577
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,484/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,827
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,372
−HK$2,586/mo
Today · 4.125%
HK$86,958
baseline
▲ 0.50% · 4.625%
HK$92,249
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,916/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,031
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,473
−HK$2,476/mo
Today · 4.125%
HK$95,949
baseline
▲ 0.50% · 4.625%
HK$101,007
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,898/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,206
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,478
−HK$3,325/mo
Today · 4.125%
HK$111,803
baseline
▲ 0.50% · 4.625%
HK$118,606
+HK$6,803/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,606/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,040
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,179
−HK$3,185/mo
Today · 4.125%
HK$123,364
baseline
▲ 0.50% · 4.625%
HK$129,866
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,728/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,362 · Scale 2, in force from 26 Feb 2026)