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$58,332
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,146
−HK$1,844/mo
Today · 4.125%
HK$61,990
baseline
▲ 0.50% · 4.625%
HK$65,762
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,980/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,894
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,634
−HK$1,766/mo
Today · 4.125%
HK$68,400
baseline
▲ 0.50% · 4.625%
HK$72,005
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,800/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,998
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,176
−HK$2,212/mo
Today · 4.125%
HK$74,388
baseline
▲ 0.50% · 4.625%
HK$78,914
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,776/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,872
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,961
−HK$2,119/mo
Today · 4.125%
HK$82,080
baseline
▲ 0.50% · 4.625%
HK$86,406
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,160/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,665
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,205
−HK$2,581/mo
Today · 4.125%
HK$86,786
baseline
▲ 0.50% · 4.625%
HK$92,067
+HK$5,281/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,572/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,851
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,288
−HK$2,472/mo
Today · 4.125%
HK$95,760
baseline
▲ 0.50% · 4.625%
HK$100,807
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,520/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,998
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,264
−HK$3,318/mo
Today · 4.125%
HK$111,582
baseline
▲ 0.50% · 4.625%
HK$118,371
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,164/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,809
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,941
−HK$3,178/mo
Today · 4.125%
HK$123,119
baseline
▲ 0.50% · 4.625%
HK$129,609
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,238/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,206 · Scale 2, in force from 26 Feb 2026)