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$58,438
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,256
−HK$1,846/mo
Today · 4.125%
HK$62,102
baseline
▲ 0.50% · 4.625%
HK$65,881
+HK$3,779/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,204/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,011
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,755
−HK$1,769/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,136
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,125
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,307
−HK$2,216/mo
Today · 4.125%
HK$74,523
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,046/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,014
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,106
−HK$2,123/mo
Today · 4.125%
HK$82,229
baseline
▲ 0.50% · 4.625%
HK$86,563
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,458/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,813
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,358
−HK$2,585/mo
Today · 4.125%
HK$86,943
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,886/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,016
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,457
−HK$2,476/mo
Today · 4.125%
HK$95,933
baseline
▲ 0.50% · 4.625%
HK$100,990
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,866/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,188
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,460
−HK$3,324/mo
Today · 4.125%
HK$111,784
baseline
▲ 0.50% · 4.625%
HK$118,586
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,568/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,021
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,159
−HK$3,184/mo
Today · 4.125%
HK$123,343
baseline
▲ 0.50% · 4.625%
HK$129,845
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,686/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,179 · Scale 2, in force from 26 Feb 2026)