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$58,491
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,311
−HK$1,848/mo
Today · 4.125%
HK$62,159
baseline
▲ 0.50% · 4.625%
HK$65,941
+HK$3,782/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$124,318/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,071
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,816
−HK$1,770/mo
Today · 4.125%
HK$68,586
baseline
▲ 0.50% · 4.625%
HK$72,202
+HK$3,616/mo
Deposit HK$12.83M · loan HK$12.83M · min. income ≈ HK$137,172/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,189
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,373
−HK$2,218/mo
Today · 4.125%
HK$74,591
baseline
▲ 0.50% · 4.625%
HK$79,130
+HK$4,539/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,182/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,085
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,179
−HK$2,125/mo
Today · 4.125%
HK$82,304
baseline
▲ 0.50% · 4.625%
HK$86,642
+HK$4,338/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,608/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,888
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,435
−HK$2,588/mo
Today · 4.125%
HK$87,023
baseline
▲ 0.50% · 4.625%
HK$92,318
+HK$5,295/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$174,046/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,099
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,543
−HK$2,478/mo
Today · 4.125%
HK$96,021
baseline
▲ 0.50% · 4.625%
HK$101,082
+HK$5,061/mo
Deposit HK$7.70M · loan HK$17.96M · min. income ≈ HK$192,042/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,284
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,559
−HK$3,327/mo
Today · 4.125%
HK$111,886
baseline
▲ 0.50% · 4.625%
HK$118,694
+HK$6,808/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$223,772/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,128
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,269
−HK$3,187/mo
Today · 4.125%
HK$123,456
baseline
▲ 0.50% · 4.625%
HK$129,963
+HK$6,507/mo
Deposit HK$2.57M · loan HK$23.09M · min. income ≈ HK$246,912/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,090,175 · Scale 2, in force from 26 Feb 2026)