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$58,421
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,846/mo
Today · 4.125%
HK$62,084
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,168/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,736
−HK$1,768/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,105
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,286
−HK$2,215/mo
Today · 4.125%
HK$74,501
baseline
▲ 0.50% · 4.625%
HK$79,035
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,002/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,991
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,083
−HK$2,122/mo
Today · 4.125%
HK$82,205
baseline
▲ 0.50% · 4.625%
HK$86,538
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,410/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,789
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,333
−HK$2,585/mo
Today · 4.125%
HK$86,918
baseline
▲ 0.50% · 4.625%
HK$92,207
+HK$5,289/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,836/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,990
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,430
−HK$2,476/mo
Today · 4.125%
HK$95,906
baseline
▲ 0.50% · 4.625%
HK$100,961
+HK$5,055/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,812/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,158
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,429
−HK$3,323/mo
Today · 4.125%
HK$111,752
baseline
▲ 0.50% · 4.625%
HK$118,552
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,504/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,987
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,124
−HK$3,183/mo
Today · 4.125%
HK$123,307
baseline
▲ 0.50% · 4.625%
HK$129,807
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,614/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,866 · Scale 2, in force from 26 Feb 2026)