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$58,494
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,313
−HK$1,849/mo
Today · 4.125%
HK$62,162
baseline
▲ 0.50% · 4.625%
HK$65,944
+HK$3,782/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,324/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,819
−HK$1,770/mo
Today · 4.125%
HK$68,589
baseline
▲ 0.50% · 4.625%
HK$72,205
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,178/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,192
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,376
−HK$2,218/mo
Today · 4.125%
HK$74,594
baseline
▲ 0.50% · 4.625%
HK$79,133
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,188/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,088
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,182
−HK$2,125/mo
Today · 4.125%
HK$82,307
baseline
▲ 0.50% · 4.625%
HK$86,645
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,614/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,891
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,438
−HK$2,588/mo
Today · 4.125%
HK$87,026
baseline
▲ 0.50% · 4.625%
HK$92,322
+HK$5,296/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,052/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,103
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,546
−HK$2,479/mo
Today · 4.125%
HK$96,025
baseline
▲ 0.50% · 4.625%
HK$101,086
+HK$5,061/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,050/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,288
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,563
−HK$3,328/mo
Today · 4.125%
HK$111,891
baseline
▲ 0.50% · 4.625%
HK$118,699
+HK$6,808/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,782/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,132
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,274
−HK$3,186/mo
Today · 4.125%
HK$123,460
baseline
▲ 0.50% · 4.625%
HK$129,968
+HK$6,508/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,920/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,217 · Scale 2, in force from 26 Feb 2026)