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$58,686
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,511
−HK$1,855/mo
Today · 4.125%
HK$62,366
baseline
▲ 0.50% · 4.625%
HK$66,161
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,732/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,287
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,038
−HK$1,777/mo
Today · 4.125%
HK$68,815
baseline
▲ 0.50% · 4.625%
HK$72,442
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,630/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,423
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,614
−HK$2,225/mo
Today · 4.125%
HK$74,839
baseline
▲ 0.50% · 4.625%
HK$79,393
+HK$4,554/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,678/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,345
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,446
−HK$2,132/mo
Today · 4.125%
HK$82,578
baseline
▲ 0.50% · 4.625%
HK$86,930
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,156/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,160
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,716
−HK$2,596/mo
Today · 4.125%
HK$87,312
baseline
▲ 0.50% · 4.625%
HK$92,625
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,624/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,402
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,854
−HK$2,487/mo
Today · 4.125%
HK$96,341
baseline
▲ 0.50% · 4.625%
HK$101,419
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,682/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,634
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,920
−HK$3,339/mo
Today · 4.125%
HK$112,259
baseline
▲ 0.50% · 4.625%
HK$119,089
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,518/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,517
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,669
−HK$3,197/mo
Today · 4.125%
HK$123,866
baseline
▲ 0.50% · 4.625%
HK$130,396
+HK$6,530/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,732/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,802 · Scale 2, in force from 26 Feb 2026)