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$58,472
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,291
−HK$1,848/mo
Today · 4.125%
HK$62,139
baseline
▲ 0.50% · 4.625%
HK$65,920
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,278/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,050
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,794
−HK$1,770/mo
Today · 4.125%
HK$68,564
baseline
▲ 0.50% · 4.625%
HK$72,178
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,128/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,167
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,349
−HK$2,218/mo
Today · 4.125%
HK$74,567
baseline
▲ 0.50% · 4.625%
HK$79,104
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,134/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,060
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,153
−HK$2,124/mo
Today · 4.125%
HK$82,277
baseline
▲ 0.50% · 4.625%
HK$86,614
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,554/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,861
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,407
−HK$2,587/mo
Today · 4.125%
HK$86,994
baseline
▲ 0.50% · 4.625%
HK$92,288
+HK$5,294/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,988/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,070
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,512
−HK$2,478/mo
Today · 4.125%
HK$95,990
baseline
▲ 0.50% · 4.625%
HK$101,049
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,980/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,250
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,524
−HK$3,326/mo
Today · 4.125%
HK$111,850
baseline
▲ 0.50% · 4.625%
HK$118,656
+HK$6,806/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,700/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,089
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,230
−HK$3,185/mo
Today · 4.125%
HK$123,415
baseline
▲ 0.50% · 4.625%
HK$129,921
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,830/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,819 · Scale 2, in force from 26 Feb 2026)