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$58,562
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,384
−HK$1,851/mo
Today · 4.125%
HK$62,235
baseline
▲ 0.50% · 4.625%
HK$66,022
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,470/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,150
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,897
−HK$1,773/mo
Today · 4.125%
HK$68,670
baseline
▲ 0.50% · 4.625%
HK$72,290
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,340/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,275
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,461
−HK$2,221/mo
Today · 4.125%
HK$74,682
baseline
▲ 0.50% · 4.625%
HK$79,226
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,364/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,180
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,277
−HK$2,127/mo
Today · 4.125%
HK$82,404
baseline
▲ 0.50% · 4.625%
HK$86,747
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,808/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,987
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,538
−HK$2,591/mo
Today · 4.125%
HK$87,129
baseline
▲ 0.50% · 4.625%
HK$92,430
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,258/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,210
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,656
−HK$2,482/mo
Today · 4.125%
HK$96,138
baseline
▲ 0.50% · 4.625%
HK$101,205
+HK$5,067/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,276/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,412
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,691
−HK$3,331/mo
Today · 4.125%
HK$112,022
baseline
▲ 0.50% · 4.625%
HK$118,839
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,044/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,270
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,415
−HK$3,191/mo
Today · 4.125%
HK$123,606
baseline
▲ 0.50% · 4.625%
HK$130,121
+HK$6,515/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,212/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,500 · Scale 2, in force from 26 Feb 2026)