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$58,523
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,344
−HK$1,849/mo
Today · 4.125%
HK$62,193
baseline
▲ 0.50% · 4.625%
HK$65,978
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,386/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,107
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,853
−HK$1,771/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,241
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,228
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,412
−HK$2,220/mo
Today · 4.125%
HK$74,632
baseline
▲ 0.50% · 4.625%
HK$79,173
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,264/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,128
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,223
−HK$2,126/mo
Today · 4.125%
HK$82,349
baseline
▲ 0.50% · 4.625%
HK$86,690
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,698/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,933
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,481
−HK$2,590/mo
Today · 4.125%
HK$87,071
baseline
▲ 0.50% · 4.625%
HK$92,369
+HK$5,298/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,142/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,149
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,594
−HK$2,480/mo
Today · 4.125%
HK$96,074
baseline
▲ 0.50% · 4.625%
HK$101,138
+HK$5,064/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,148/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,342
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,619
−HK$3,329/mo
Today · 4.125%
HK$111,948
baseline
▲ 0.50% · 4.625%
HK$118,760
+HK$6,812/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,896/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,192
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,335
−HK$3,188/mo
Today · 4.125%
HK$123,523
baseline
▲ 0.50% · 4.625%
HK$130,035
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,046/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,773 · Scale 2, in force from 26 Feb 2026)