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$58,445
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,263
−HK$1,847/mo
Today · 4.125%
HK$62,110
baseline
▲ 0.50% · 4.625%
HK$65,889
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,220/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,019
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,763
−HK$1,769/mo
Today · 4.125%
HK$68,532
baseline
▲ 0.50% · 4.625%
HK$72,145
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,064/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,134
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,316
−HK$2,216/mo
Today · 4.125%
HK$74,532
baseline
▲ 0.50% · 4.625%
HK$79,067
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,064/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,023
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,116
−HK$2,123/mo
Today · 4.125%
HK$82,239
baseline
▲ 0.50% · 4.625%
HK$86,574
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,478/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,823
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,368
−HK$2,586/mo
Today · 4.125%
HK$86,954
baseline
▲ 0.50% · 4.625%
HK$92,245
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,908/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,027
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,469
−HK$2,476/mo
Today · 4.125%
HK$95,945
baseline
▲ 0.50% · 4.625%
HK$101,003
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,890/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,201
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,473
−HK$3,325/mo
Today · 4.125%
HK$111,798
baseline
▲ 0.50% · 4.625%
HK$118,601
+HK$6,803/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,596/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,035
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,174
−HK$3,184/mo
Today · 4.125%
HK$123,358
baseline
▲ 0.50% · 4.625%
HK$129,860
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,716/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,313 · Scale 2, in force from 26 Feb 2026)