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$58,511
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,331
−HK$1,849/mo
Today · 4.125%
HK$62,180
baseline
▲ 0.50% · 4.625%
HK$65,964
+HK$3,784/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,360/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,093
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$1,771/mo
Today · 4.125%
HK$68,610
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,220/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,214
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,398
−HK$2,219/mo
Today · 4.125%
HK$74,617
baseline
▲ 0.50% · 4.625%
HK$79,157
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,234/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,112
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,207
−HK$2,125/mo
Today · 4.125%
HK$82,332
baseline
▲ 0.50% · 4.625%
HK$86,672
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,664/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,916
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,464
−HK$2,589/mo
Today · 4.125%
HK$87,053
baseline
▲ 0.50% · 4.625%
HK$92,350
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,106/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,130
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,575
−HK$2,479/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,117
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,320
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,596
−HK$3,329/mo
Today · 4.125%
HK$111,925
baseline
▲ 0.50% · 4.625%
HK$118,735
+HK$6,810/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,850/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,168
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,310
−HK$3,188/mo
Today · 4.125%
HK$123,498
baseline
▲ 0.50% · 4.625%
HK$130,008
+HK$6,510/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,996/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,548 · Scale 2, in force from 26 Feb 2026)