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$58,688
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,514
−HK$1,854/mo
Today · 4.125%
HK$62,368
baseline
▲ 0.50% · 4.625%
HK$66,163
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,736/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,041
−HK$1,776/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$72,445
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,426
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,616
−HK$2,226/mo
Today · 4.125%
HK$74,842
baseline
▲ 0.50% · 4.625%
HK$79,396
+HK$4,554/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$149,684/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,348
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,449
−HK$2,132/mo
Today · 4.125%
HK$82,581
baseline
▲ 0.50% · 4.625%
HK$86,934
+HK$4,353/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$165,162/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,163
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,719
−HK$2,597/mo
Today · 4.125%
HK$87,316
baseline
▲ 0.50% · 4.625%
HK$92,629
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,632/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,406
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,857
−HK$2,487/mo
Today · 4.125%
HK$96,344
baseline
▲ 0.50% · 4.625%
HK$101,423
+HK$5,079/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,688/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,639
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,925
−HK$3,338/mo
Today · 4.125%
HK$112,263
baseline
▲ 0.50% · 4.625%
HK$119,094
+HK$6,831/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,526/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,522
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,674
−HK$3,197/mo
Today · 4.125%
HK$123,871
baseline
▲ 0.50% · 4.625%
HK$130,401
+HK$6,530/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,742/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,845 · Scale 2, in force from 26 Feb 2026)