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$58,683
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,508
−HK$1,855/mo
Today · 4.125%
HK$62,363
baseline
▲ 0.50% · 4.625%
HK$66,158
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,726/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,035
−HK$1,776/mo
Today · 4.125%
HK$68,811
baseline
▲ 0.50% · 4.625%
HK$72,438
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,622/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,420
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,610
−HK$2,225/mo
Today · 4.125%
HK$74,835
baseline
▲ 0.50% · 4.625%
HK$79,389
+HK$4,554/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,670/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,341
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,442
−HK$2,132/mo
Today · 4.125%
HK$82,574
baseline
▲ 0.50% · 4.625%
HK$86,926
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,148/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,156
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,712
−HK$2,596/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$92,621
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,398
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,849
−HK$2,487/mo
Today · 4.125%
HK$96,336
baseline
▲ 0.50% · 4.625%
HK$101,414
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,672/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,629
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,915
−HK$3,338/mo
Today · 4.125%
HK$112,253
baseline
▲ 0.50% · 4.625%
HK$119,084
+HK$6,831/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,506/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,512
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,663
−HK$3,197/mo
Today · 4.125%
HK$123,860
baseline
▲ 0.50% · 4.625%
HK$130,389
+HK$6,529/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,720/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,749 · Scale 2, in force from 26 Feb 2026)