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$58,467
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,286
−HK$1,847/mo
Today · 4.125%
HK$62,133
baseline
▲ 0.50% · 4.625%
HK$65,914
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,266/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,044
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,788
−HK$1,770/mo
Today · 4.125%
HK$68,558
baseline
▲ 0.50% · 4.625%
HK$72,172
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,116/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,160
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,343
−HK$2,217/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$79,097
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,053
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,146
−HK$2,124/mo
Today · 4.125%
HK$82,270
baseline
▲ 0.50% · 4.625%
HK$86,606
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,540/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,854
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,400
−HK$2,587/mo
Today · 4.125%
HK$86,987
baseline
▲ 0.50% · 4.625%
HK$92,280
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,974/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,062
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,504
−HK$2,477/mo
Today · 4.125%
HK$95,981
baseline
▲ 0.50% · 4.625%
HK$101,041
+HK$5,060/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,962/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,241
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,514
−HK$3,326/mo
Today · 4.125%
HK$111,840
baseline
▲ 0.50% · 4.625%
HK$118,645
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,680/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,079
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,219
−HK$3,186/mo
Today · 4.125%
HK$123,405
baseline
▲ 0.50% · 4.625%
HK$129,910
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,810/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,725 · Scale 2, in force from 26 Feb 2026)