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$58,565
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,387
−HK$1,851/mo
Today · 4.125%
HK$62,238
baseline
▲ 0.50% · 4.625%
HK$66,025
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,476/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,153
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,901
−HK$1,772/mo
Today · 4.125%
HK$68,673
baseline
▲ 0.50% · 4.625%
HK$72,293
+HK$3,620/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,346/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,278
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,464
−HK$2,221/mo
Today · 4.125%
HK$74,685
baseline
▲ 0.50% · 4.625%
HK$79,230
+HK$4,545/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,370/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,184
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,281
−HK$2,127/mo
Today · 4.125%
HK$82,408
baseline
▲ 0.50% · 4.625%
HK$86,752
+HK$4,344/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,816/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,991
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,542
−HK$2,591/mo
Today · 4.125%
HK$87,133
baseline
▲ 0.50% · 4.625%
HK$92,435
+HK$5,302/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$174,266/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,215
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,661
−HK$2,482/mo
Today · 4.125%
HK$96,143
baseline
▲ 0.50% · 4.625%
HK$101,210
+HK$5,067/mo
Deposit HK$7.71M · loan HK$17.98M · min. income ≈ HK$192,286/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,418
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,697
−HK$3,331/mo
Today · 4.125%
HK$112,028
baseline
▲ 0.50% · 4.625%
HK$118,845
+HK$6,817/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$224,056/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,276
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,421
−HK$3,191/mo
Today · 4.125%
HK$123,612
baseline
▲ 0.50% · 4.625%
HK$130,128
+HK$6,516/mo
Deposit HK$2.57M · loan HK$23.12M · min. income ≈ HK$247,224/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,555 · Scale 2, in force from 26 Feb 2026)