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$58,479
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,848/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,927
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,057
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,802
−HK$1,770/mo
Today · 4.125%
HK$68,572
baseline
▲ 0.50% · 4.625%
HK$72,186
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,144/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,174
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,357
−HK$2,218/mo
Today · 4.125%
HK$74,575
baseline
▲ 0.50% · 4.625%
HK$79,113
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,150/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,068
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,162
−HK$2,124/mo
Today · 4.125%
HK$82,286
baseline
▲ 0.50% · 4.625%
HK$86,623
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,572/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,870
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,417
−HK$2,587/mo
Today · 4.125%
HK$87,004
baseline
▲ 0.50% · 4.625%
HK$92,298
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,008/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,080
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,522
−HK$2,478/mo
Today · 4.125%
HK$96,000
baseline
▲ 0.50% · 4.625%
HK$101,061
+HK$5,061/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,000/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,536
−HK$3,326/mo
Today · 4.125%
HK$111,862
baseline
▲ 0.50% · 4.625%
HK$118,669
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,724/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,102
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,243
−HK$3,186/mo
Today · 4.125%
HK$123,429
baseline
▲ 0.50% · 4.625%
HK$129,935
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,858/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,939 · Scale 2, in force from 26 Feb 2026)