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$58,801
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,858/mo
Today · 4.125%
HK$62,488
baseline
▲ 0.50% · 4.625%
HK$66,290
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,976/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,415
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,170
−HK$1,779/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$72,584
+HK$3,635/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,561
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,756
−HK$2,230/mo
Today · 4.125%
HK$74,986
baseline
▲ 0.50% · 4.625%
HK$79,548
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,972/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,498
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,604
−HK$2,135/mo
Today · 4.125%
HK$82,739
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,362/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,478/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,321
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,882
−HK$2,601/mo
Today · 4.125%
HK$87,483
baseline
▲ 0.50% · 4.625%
HK$92,807
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,966/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,581
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,038
−HK$2,491/mo
Today · 4.125%
HK$96,529
baseline
▲ 0.50% · 4.625%
HK$101,617
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,058/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,841
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,134
−HK$3,345/mo
Today · 4.125%
HK$112,479
baseline
▲ 0.50% · 4.625%
HK$119,323
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,958/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,748
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,905
−HK$3,204/mo
Today · 4.125%
HK$124,109
baseline
▲ 0.50% · 4.625%
HK$130,651
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,218/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,944 · Scale 2, in force from 26 Feb 2026)