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$58,514
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,334
−HK$1,849/mo
Today · 4.125%
HK$62,183
baseline
▲ 0.50% · 4.625%
HK$65,967
+HK$3,784/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,366/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,096
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,842
−HK$1,771/mo
Today · 4.125%
HK$68,613
baseline
▲ 0.50% · 4.625%
HK$72,229
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,226/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,216
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,401
−HK$2,219/mo
Today · 4.125%
HK$74,620
baseline
▲ 0.50% · 4.625%
HK$79,160
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,240/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,115
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,210
−HK$2,125/mo
Today · 4.125%
HK$82,335
baseline
▲ 0.50% · 4.625%
HK$86,675
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,670/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,919
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,467
−HK$2,589/mo
Today · 4.125%
HK$87,056
baseline
▲ 0.50% · 4.625%
HK$92,353
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,112/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,134
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,578
−HK$2,480/mo
Today · 4.125%
HK$96,058
baseline
▲ 0.50% · 4.625%
HK$101,121
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,116/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,325
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,601
−HK$3,328/mo
Today · 4.125%
HK$111,929
baseline
▲ 0.50% · 4.625%
HK$118,740
+HK$6,811/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,858/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,173
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,315
−HK$3,188/mo
Today · 4.125%
HK$123,503
baseline
▲ 0.50% · 4.625%
HK$130,013
+HK$6,510/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$247,006/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,593 · Scale 2, in force from 26 Feb 2026)