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$58,461
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,280
−HK$1,847/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,908
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,038
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,782
−HK$1,769/mo
Today · 4.125%
HK$68,551
baseline
▲ 0.50% · 4.625%
HK$72,165
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,102/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,153
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,336
−HK$2,217/mo
Today · 4.125%
HK$74,553
baseline
▲ 0.50% · 4.625%
HK$79,089
+HK$4,536/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$149,106/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,045
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,138
−HK$2,124/mo
Today · 4.125%
HK$82,262
baseline
▲ 0.50% · 4.625%
HK$86,598
+HK$4,336/mo
Deposit HK$10.26M · loan HK$15.38M · min. income ≈ HK$164,524/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,846
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,392
−HK$2,586/mo
Today · 4.125%
HK$86,978
baseline
▲ 0.50% · 4.625%
HK$92,271
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,956/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,053
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,495
−HK$2,477/mo
Today · 4.125%
HK$95,972
baseline
▲ 0.50% · 4.625%
HK$101,031
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,944/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,230
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,503
−HK$3,326/mo
Today · 4.125%
HK$111,829
baseline
▲ 0.50% · 4.625%
HK$118,634
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,658/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,068
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,207
−HK$3,185/mo
Today · 4.125%
HK$123,392
baseline
▲ 0.50% · 4.625%
HK$129,897
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,784/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,616 · Scale 2, in force from 26 Feb 2026)