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$58,522
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,343
−HK$1,849/mo
Today · 4.125%
HK$62,192
baseline
▲ 0.50% · 4.625%
HK$65,977
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,384/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,106
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,852
−HK$1,771/mo
Today · 4.125%
HK$68,623
baseline
▲ 0.50% · 4.625%
HK$72,240
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,246/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,227
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,411
−HK$2,220/mo
Today · 4.125%
HK$74,631
baseline
▲ 0.50% · 4.625%
HK$79,172
+HK$4,541/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,262/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,127
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,222
−HK$2,126/mo
Today · 4.125%
HK$82,348
baseline
▲ 0.50% · 4.625%
HK$86,688
+HK$4,340/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,696/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,931
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,480
−HK$2,589/mo
Today · 4.125%
HK$87,069
baseline
▲ 0.50% · 4.625%
HK$92,367
+HK$5,298/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,138/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,148
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,592
−HK$2,480/mo
Today · 4.125%
HK$96,072
baseline
▲ 0.50% · 4.625%
HK$101,136
+HK$5,064/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,144/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,340
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,617
−HK$3,329/mo
Today · 4.125%
HK$111,946
baseline
▲ 0.50% · 4.625%
HK$118,758
+HK$6,812/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,892/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,190
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,333
−HK$3,189/mo
Today · 4.125%
HK$123,522
baseline
▲ 0.50% · 4.625%
HK$130,033
+HK$6,511/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,044/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,757 · Scale 2, in force from 26 Feb 2026)