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$58,800
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,629
−HK$1,858/mo
Today · 4.125%
HK$62,487
baseline
▲ 0.50% · 4.625%
HK$66,290
+HK$3,803/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,974/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,414
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,169
−HK$1,780/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$72,583
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,560
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,755
−HK$2,230/mo
Today · 4.125%
HK$74,985
baseline
▲ 0.50% · 4.625%
HK$79,547
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,970/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,497
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,603
−HK$2,135/mo
Today · 4.125%
HK$82,738
baseline
▲ 0.50% · 4.625%
HK$87,100
+HK$4,362/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,476/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,320
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,881
−HK$2,601/mo
Today · 4.125%
HK$87,482
baseline
▲ 0.50% · 4.625%
HK$92,805
+HK$5,323/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,964/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,580
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,036
−HK$2,492/mo
Today · 4.125%
HK$96,528
baseline
▲ 0.50% · 4.625%
HK$101,616
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,056/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,840
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,132
−HK$3,345/mo
Today · 4.125%
HK$112,477
baseline
▲ 0.50% · 4.625%
HK$119,321
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,954/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,746
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,904
−HK$3,203/mo
Today · 4.125%
HK$124,107
baseline
▲ 0.50% · 4.625%
HK$130,649
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,214/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,930 · Scale 2, in force from 26 Feb 2026)