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$58,524
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,345
−HK$1,849/mo
Today · 4.125%
HK$62,194
baseline
▲ 0.50% · 4.625%
HK$65,979
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,388/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,108
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,854
−HK$1,771/mo
Today · 4.125%
HK$68,625
baseline
▲ 0.50% · 4.625%
HK$72,243
+HK$3,618/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,250/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,229
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,414
−HK$2,219/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,129
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,125/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$86,691
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,934
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,483
−HK$2,589/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$92,370
+HK$5,298/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,151
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,595
−HK$2,480/mo
Today · 4.125%
HK$96,075
baseline
▲ 0.50% · 4.625%
HK$101,140
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,150/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,344
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,620
−HK$3,330/mo
Today · 4.125%
HK$111,950
baseline
▲ 0.50% · 4.625%
HK$118,761
+HK$6,811/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,900/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,194
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,337
−HK$3,188/mo
Today · 4.125%
HK$123,525
baseline
▲ 0.50% · 4.625%
HK$130,037
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,050/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,790 · Scale 2, in force from 26 Feb 2026)