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$58,459
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,277
−HK$1,848/mo
Today · 4.125%
HK$62,125
baseline
▲ 0.50% · 4.625%
HK$65,905
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,250/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,035
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,779
−HK$1,769/mo
Today · 4.125%
HK$68,548
baseline
▲ 0.50% · 4.625%
HK$72,162
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,096/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,150
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,333
−HK$2,217/mo
Today · 4.125%
HK$74,550
baseline
▲ 0.50% · 4.625%
HK$79,086
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,100/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,042
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,135
−HK$2,123/mo
Today · 4.125%
HK$82,258
baseline
▲ 0.50% · 4.625%
HK$86,594
+HK$4,336/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,516/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,842
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,388
−HK$2,586/mo
Today · 4.125%
HK$86,974
baseline
▲ 0.50% · 4.625%
HK$92,267
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,948/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,049
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,491
−HK$2,477/mo
Today · 4.125%
HK$95,968
baseline
▲ 0.50% · 4.625%
HK$101,026
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,936/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,226
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,499
−HK$3,325/mo
Today · 4.125%
HK$111,824
baseline
▲ 0.50% · 4.625%
HK$118,629
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,648/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,063
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,202
−HK$3,185/mo
Today · 4.125%
HK$123,387
baseline
▲ 0.50% · 4.625%
HK$129,891
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,774/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,569 · Scale 2, in force from 26 Feb 2026)