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$58,534
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,849/mo
Today · 4.125%
HK$62,204
baseline
▲ 0.50% · 4.625%
HK$65,989
+HK$3,785/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,408/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,118
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,865
−HK$1,772/mo
Today · 4.125%
HK$68,637
baseline
▲ 0.50% · 4.625%
HK$72,254
+HK$3,617/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,274/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,241
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,426
−HK$2,219/mo
Today · 4.125%
HK$74,645
baseline
▲ 0.50% · 4.625%
HK$79,187
+HK$4,542/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$149,290/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,142
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,238
−HK$2,126/mo
Today · 4.125%
HK$82,364
baseline
▲ 0.50% · 4.625%
HK$86,705
+HK$4,341/mo
Deposit HK$10.27M · loan HK$15.40M · min. income ≈ HK$164,728/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,947
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,496
−HK$2,590/mo
Today · 4.125%
HK$87,086
baseline
▲ 0.50% · 4.625%
HK$92,385
+HK$5,299/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,172/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,166
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,611
−HK$2,480/mo
Today · 4.125%
HK$96,091
baseline
▲ 0.50% · 4.625%
HK$101,156
+HK$5,065/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,182/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,361
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,638
−HK$3,330/mo
Today · 4.125%
HK$111,968
baseline
▲ 0.50% · 4.625%
HK$118,781
+HK$6,813/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$223,936/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,213
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,357
−HK$3,189/mo
Today · 4.125%
HK$123,546
baseline
▲ 0.50% · 4.625%
HK$130,058
+HK$6,512/mo
Deposit HK$2.57M · loan HK$23.10M · min. income ≈ HK$247,092/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,970 · Scale 2, in force from 26 Feb 2026)