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$58,458
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,277
−HK$1,847/mo
Today · 4.125%
HK$62,124
baseline
▲ 0.50% · 4.625%
HK$65,904
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,248/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,034
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,779
−HK$1,769/mo
Today · 4.125%
HK$68,548
baseline
▲ 0.50% · 4.625%
HK$72,161
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,096/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,150
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,332
−HK$2,217/mo
Today · 4.125%
HK$74,549
baseline
▲ 0.50% · 4.625%
HK$79,085
+HK$4,536/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,098/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,041
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,134
−HK$2,124/mo
Today · 4.125%
HK$82,258
baseline
▲ 0.50% · 4.625%
HK$86,594
+HK$4,336/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,516/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,842
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,388
−HK$2,586/mo
Today · 4.125%
HK$86,974
baseline
▲ 0.50% · 4.625%
HK$92,266
+HK$5,292/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,948/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,048
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,490
−HK$2,477/mo
Today · 4.125%
HK$95,967
baseline
▲ 0.50% · 4.625%
HK$101,026
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,934/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,225
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,498
−HK$3,326/mo
Today · 4.125%
HK$111,824
baseline
▲ 0.50% · 4.625%
HK$118,628
+HK$6,804/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,648/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,062
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,201
−HK$3,185/mo
Today · 4.125%
HK$123,386
baseline
▲ 0.50% · 4.625%
HK$129,890
+HK$6,504/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,772/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,563 · Scale 2, in force from 26 Feb 2026)