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$58,467
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,286
−HK$1,848/mo
Today · 4.125%
HK$62,134
baseline
▲ 0.50% · 4.625%
HK$65,914
+HK$3,780/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,268/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,044
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,789
−HK$1,769/mo
Today · 4.125%
HK$68,558
baseline
▲ 0.50% · 4.625%
HK$72,172
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,116/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,161
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,343
−HK$2,217/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$79,097
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,053
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,146
−HK$2,124/mo
Today · 4.125%
HK$82,270
baseline
▲ 0.50% · 4.625%
HK$86,607
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,540/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,854
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,400
−HK$2,587/mo
Today · 4.125%
HK$86,987
baseline
▲ 0.50% · 4.625%
HK$92,280
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,974/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,062
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,504
−HK$2,478/mo
Today · 4.125%
HK$95,982
baseline
▲ 0.50% · 4.625%
HK$101,041
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,964/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,241
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,515
−HK$3,326/mo
Today · 4.125%
HK$111,841
baseline
▲ 0.50% · 4.625%
HK$118,646
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,682/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,080
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,220
−HK$3,185/mo
Today · 4.125%
HK$123,405
baseline
▲ 0.50% · 4.625%
HK$129,910
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,810/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,729 · Scale 2, in force from 26 Feb 2026)