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$58,452
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,270
−HK$1,848/mo
Today · 4.125%
HK$62,118
baseline
▲ 0.50% · 4.625%
HK$65,897
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,236/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,027
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,771
−HK$1,770/mo
Today · 4.125%
HK$68,541
baseline
▲ 0.50% · 4.625%
HK$72,154
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,082/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,143
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,324
−HK$2,217/mo
Today · 4.125%
HK$74,541
baseline
▲ 0.50% · 4.625%
HK$79,077
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,082/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,126
−HK$2,123/mo
Today · 4.125%
HK$82,249
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,498/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,833
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,379
−HK$2,586/mo
Today · 4.125%
HK$86,965
baseline
▲ 0.50% · 4.625%
HK$92,256
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,930/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,038
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,480
−HK$2,477/mo
Today · 4.125%
HK$95,957
baseline
▲ 0.50% · 4.625%
HK$101,015
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,914/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,214
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,487
−HK$3,325/mo
Today · 4.125%
HK$111,812
baseline
▲ 0.50% · 4.625%
HK$118,615
+HK$6,803/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,624/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,049
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,189
−HK$3,184/mo
Today · 4.125%
HK$123,373
baseline
▲ 0.50% · 4.625%
HK$129,876
+HK$6,503/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,746/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,447 · Scale 2, in force from 26 Feb 2026)