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$58,538
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,359
−HK$1,850/mo
Today · 4.125%
HK$62,209
baseline
▲ 0.50% · 4.625%
HK$65,994
+HK$3,785/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,418/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,123
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,870
−HK$1,772/mo
Today · 4.125%
HK$68,642
baseline
▲ 0.50% · 4.625%
HK$72,260
+HK$3,618/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,284/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,246
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,431
−HK$2,220/mo
Today · 4.125%
HK$74,651
baseline
▲ 0.50% · 4.625%
HK$79,193
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,302/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,148
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,244
−HK$2,126/mo
Today · 4.125%
HK$82,370
baseline
▲ 0.50% · 4.625%
HK$86,712
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,740/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,953
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,503
−HK$2,590/mo
Today · 4.125%
HK$87,093
baseline
▲ 0.50% · 4.625%
HK$92,392
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,186/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,172
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,618
−HK$2,480/mo
Today · 4.125%
HK$96,098
baseline
▲ 0.50% · 4.625%
HK$101,164
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,196/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,369
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,646
−HK$3,330/mo
Today · 4.125%
HK$111,976
baseline
▲ 0.50% · 4.625%
HK$118,790
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,952/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,222
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,365
−HK$3,190/mo
Today · 4.125%
HK$123,555
baseline
▲ 0.50% · 4.625%
HK$130,067
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,110/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,050 · Scale 2, in force from 26 Feb 2026)