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$58,429
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,246
−HK$1,847/mo
Today · 4.125%
HK$62,093
baseline
▲ 0.50% · 4.625%
HK$65,871
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,186/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,745
−HK$1,768/mo
Today · 4.125%
HK$68,513
baseline
▲ 0.50% · 4.625%
HK$72,125
+HK$3,612/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,026/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,115
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,296
−HK$2,216/mo
Today · 4.125%
HK$74,512
baseline
▲ 0.50% · 4.625%
HK$79,045
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,024/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,002
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,094
−HK$2,122/mo
Today · 4.125%
HK$82,216
baseline
▲ 0.50% · 4.625%
HK$86,550
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,432/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,801
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,345
−HK$2,585/mo
Today · 4.125%
HK$86,930
baseline
▲ 0.50% · 4.625%
HK$92,220
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,860/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,002
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,443
−HK$2,476/mo
Today · 4.125%
HK$95,919
baseline
▲ 0.50% · 4.625%
HK$100,975
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,838/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,172
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,444
−HK$3,323/mo
Today · 4.125%
HK$111,767
baseline
▲ 0.50% · 4.625%
HK$118,568
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,534/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,003
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,141
−HK$3,183/mo
Today · 4.125%
HK$123,324
baseline
▲ 0.50% · 4.625%
HK$129,825
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,648/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,014 · Scale 2, in force from 26 Feb 2026)