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$58,483
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,302
−HK$1,848/mo
Today · 4.125%
HK$62,150
baseline
▲ 0.50% · 4.625%
HK$65,932
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,300/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,806
−HK$1,771/mo
Today · 4.125%
HK$68,577
baseline
▲ 0.50% · 4.625%
HK$72,191
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,154/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,179
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,362
−HK$2,218/mo
Today · 4.125%
HK$74,580
baseline
▲ 0.50% · 4.625%
HK$79,118
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,160/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,074
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,168
−HK$2,124/mo
Today · 4.125%
HK$82,292
baseline
▲ 0.50% · 4.625%
HK$86,630
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,584/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,876
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,423
−HK$2,587/mo
Today · 4.125%
HK$87,010
baseline
▲ 0.50% · 4.625%
HK$92,305
+HK$5,295/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,020/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,086
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,529
−HK$2,478/mo
Today · 4.125%
HK$96,007
baseline
▲ 0.50% · 4.625%
HK$101,068
+HK$5,061/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,014/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,269
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,543
−HK$3,327/mo
Today · 4.125%
HK$111,870
baseline
▲ 0.50% · 4.625%
HK$118,677
+HK$6,807/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,740/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,111
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,251
−HK$3,187/mo
Today · 4.125%
HK$123,438
baseline
▲ 0.50% · 4.625%
HK$129,944
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,876/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,017 · Scale 2, in force from 26 Feb 2026)