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$58,468
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,287
−HK$1,847/mo
Today · 4.125%
HK$62,134
baseline
▲ 0.50% · 4.625%
HK$65,915
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,268/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,045
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,789
−HK$1,770/mo
Today · 4.125%
HK$68,559
baseline
▲ 0.50% · 4.625%
HK$72,173
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,118/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,161
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,344
−HK$2,217/mo
Today · 4.125%
HK$74,561
baseline
▲ 0.50% · 4.625%
HK$79,098
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,122/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,054
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,147
−HK$2,124/mo
Today · 4.125%
HK$82,271
baseline
▲ 0.50% · 4.625%
HK$86,608
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,542/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,855
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,401
−HK$2,587/mo
Today · 4.125%
HK$86,988
baseline
▲ 0.50% · 4.625%
HK$92,281
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,976/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,063
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,505
−HK$2,478/mo
Today · 4.125%
HK$95,983
baseline
▲ 0.50% · 4.625%
HK$101,042
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,966/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,242
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,516
−HK$3,326/mo
Today · 4.125%
HK$111,842
baseline
▲ 0.50% · 4.625%
HK$118,647
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,684/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,081
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,221
−HK$3,185/mo
Today · 4.125%
HK$123,406
baseline
▲ 0.50% · 4.625%
HK$129,911
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,812/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,740 · Scale 2, in force from 26 Feb 2026)