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$58,470
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,847/mo
Today · 4.125%
HK$62,136
baseline
▲ 0.50% · 4.625%
HK$65,917
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,272/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,047
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,792
−HK$1,769/mo
Today · 4.125%
HK$68,561
baseline
▲ 0.50% · 4.625%
HK$72,175
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,122/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,164
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,346
−HK$2,218/mo
Today · 4.125%
HK$74,564
baseline
▲ 0.50% · 4.625%
HK$79,101
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,128/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,056
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,150
−HK$2,124/mo
Today · 4.125%
HK$82,274
baseline
▲ 0.50% · 4.625%
HK$86,610
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,548/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,858
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,404
−HK$2,587/mo
Today · 4.125%
HK$86,991
baseline
▲ 0.50% · 4.625%
HK$92,284
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,982/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,066
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,508
−HK$2,478/mo
Today · 4.125%
HK$95,986
baseline
▲ 0.50% · 4.625%
HK$101,045
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,972/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,246
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,519
−HK$3,326/mo
Today · 4.125%
HK$111,845
baseline
▲ 0.50% · 4.625%
HK$118,651
+HK$6,806/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,690/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,085
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,225
−HK$3,185/mo
Today · 4.125%
HK$123,410
baseline
▲ 0.50% · 4.625%
HK$129,916
+HK$6,506/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,820/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,775 · Scale 2, in force from 26 Feb 2026)