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$58,446
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,264
−HK$1,847/mo
Today · 4.125%
HK$62,111
baseline
▲ 0.50% · 4.625%
HK$65,890
+HK$3,779/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,222/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,020
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,764
−HK$1,769/mo
Today · 4.125%
HK$68,533
baseline
▲ 0.50% · 4.625%
HK$72,146
+HK$3,613/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,066/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,135
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,317
−HK$2,216/mo
Today · 4.125%
HK$74,533
baseline
▲ 0.50% · 4.625%
HK$79,068
+HK$4,535/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,066/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,024
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,117
−HK$2,123/mo
Today · 4.125%
HK$82,240
baseline
▲ 0.50% · 4.625%
HK$86,575
+HK$4,335/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,480/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,824
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,369
−HK$2,586/mo
Today · 4.125%
HK$86,955
baseline
▲ 0.50% · 4.625%
HK$92,246
+HK$5,291/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,910/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,028
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,470
−HK$2,476/mo
Today · 4.125%
HK$95,946
baseline
▲ 0.50% · 4.625%
HK$101,004
+HK$5,058/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,892/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,202
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,475
−HK$3,325/mo
Today · 4.125%
HK$111,800
baseline
▲ 0.50% · 4.625%
HK$118,602
+HK$6,802/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$223,600/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,037
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,175
−HK$3,185/mo
Today · 4.125%
HK$123,360
baseline
▲ 0.50% · 4.625%
HK$129,862
+HK$6,502/mo
Deposit HK$2.56M · loan HK$23.07M · min. income ≈ HK$246,720/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,328 · Scale 2, in force from 26 Feb 2026)