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$58,489
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,308
−HK$1,849/mo
Today · 4.125%
HK$62,157
baseline
▲ 0.50% · 4.625%
HK$65,939
+HK$3,782/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,314/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,813
−HK$1,771/mo
Today · 4.125%
HK$68,584
baseline
▲ 0.50% · 4.625%
HK$72,199
+HK$3,615/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,168/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,187
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,370
−HK$2,218/mo
Today · 4.125%
HK$74,588
baseline
▲ 0.50% · 4.625%
HK$79,126
+HK$4,538/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,176/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,082
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,176
−HK$2,124/mo
Today · 4.125%
HK$82,300
baseline
▲ 0.50% · 4.625%
HK$86,639
+HK$4,339/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,600/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,884
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,431
−HK$2,588/mo
Today · 4.125%
HK$87,019
baseline
▲ 0.50% · 4.625%
HK$92,314
+HK$5,295/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,038/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,095
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,539
−HK$2,478/mo
Today · 4.125%
HK$96,017
baseline
▲ 0.50% · 4.625%
HK$101,078
+HK$5,061/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,034/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,280
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,555
−HK$3,327/mo
Today · 4.125%
HK$111,882
baseline
▲ 0.50% · 4.625%
HK$118,690
+HK$6,808/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,764/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,123
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,264
−HK$3,187/mo
Today · 4.125%
HK$123,451
baseline
▲ 0.50% · 4.625%
HK$129,958
+HK$6,507/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,902/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,130 · Scale 2, in force from 26 Feb 2026)