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$58,515
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,335
−HK$1,849/mo
Today · 4.125%
HK$62,184
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,784/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,368/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,097
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$1,771/mo
Today · 4.125%
HK$68,614
baseline
▲ 0.50% · 4.625%
HK$72,231
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,228/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,218
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,402
−HK$2,219/mo
Today · 4.125%
HK$74,621
baseline
▲ 0.50% · 4.625%
HK$79,161
+HK$4,540/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$149,242/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,116
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,211
−HK$2,126/mo
Today · 4.125%
HK$82,337
baseline
▲ 0.50% · 4.625%
HK$86,677
+HK$4,340/mo
Deposit HK$10.26M · loan HK$15.40M · min. income ≈ HK$164,674/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,921
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,469
−HK$2,589/mo
Today · 4.125%
HK$87,058
baseline
▲ 0.50% · 4.625%
HK$92,355
+HK$5,297/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,116/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,136
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,580
−HK$2,480/mo
Today · 4.125%
HK$96,060
baseline
▲ 0.50% · 4.625%
HK$101,123
+HK$5,063/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,120/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,326
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,603
−HK$3,328/mo
Today · 4.125%
HK$111,931
baseline
▲ 0.50% · 4.625%
HK$118,742
+HK$6,811/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,862/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,175
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,317
−HK$3,188/mo
Today · 4.125%
HK$123,505
baseline
▲ 0.50% · 4.625%
HK$130,015
+HK$6,510/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,010/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,612 · Scale 2, in force from 26 Feb 2026)