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$58,422
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,239
−HK$1,846/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,863
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,737
−HK$1,768/mo
Today · 4.125%
HK$68,505
baseline
▲ 0.50% · 4.625%
HK$72,116
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,010/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,106
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,287
−HK$2,216/mo
Today · 4.125%
HK$74,503
baseline
▲ 0.50% · 4.625%
HK$79,036
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$149,006/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,992
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,084
−HK$2,122/mo
Today · 4.125%
HK$82,206
baseline
▲ 0.50% · 4.625%
HK$86,539
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,412/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,791
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,335
−HK$2,585/mo
Today · 4.125%
HK$86,920
baseline
▲ 0.50% · 4.625%
HK$92,208
+HK$5,288/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,840/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,991
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,432
−HK$2,475/mo
Today · 4.125%
HK$95,907
baseline
▲ 0.50% · 4.625%
HK$100,963
+HK$5,056/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,814/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,159
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,430
−HK$3,324/mo
Today · 4.125%
HK$111,754
baseline
▲ 0.50% · 4.625%
HK$118,554
+HK$6,800/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,508/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,989
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,126
−HK$3,183/mo
Today · 4.125%
HK$123,309
baseline
▲ 0.50% · 4.625%
HK$129,809
+HK$6,500/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,618/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,882 · Scale 2, in force from 26 Feb 2026)