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$58,484
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,304
−HK$1,848/mo
Today · 4.125%
HK$62,152
baseline
▲ 0.50% · 4.625%
HK$65,934
+HK$3,782/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,304/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$1,770/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,193
+HK$3,615/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,181
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,364
−HK$2,218/mo
Today · 4.125%
HK$74,582
baseline
▲ 0.50% · 4.625%
HK$79,120
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,164/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,076
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,170
−HK$2,124/mo
Today · 4.125%
HK$82,294
baseline
▲ 0.50% · 4.625%
HK$86,632
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,588/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,878
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,425
−HK$2,588/mo
Today · 4.125%
HK$87,013
baseline
▲ 0.50% · 4.625%
HK$92,307
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$174,026/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,089
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,532
−HK$2,478/mo
Today · 4.125%
HK$96,010
baseline
▲ 0.50% · 4.625%
HK$101,071
+HK$5,061/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$192,020/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,272
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,546
−HK$3,327/mo
Today · 4.125%
HK$111,873
baseline
▲ 0.50% · 4.625%
HK$118,681
+HK$6,808/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,746/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,114
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,255
−HK$3,186/mo
Today · 4.125%
HK$123,441
baseline
▲ 0.50% · 4.625%
HK$129,948
+HK$6,507/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,882/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,090,048 · Scale 2, in force from 26 Feb 2026)