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$58,256
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,068
−HK$1,841/mo
Today · 4.125%
HK$61,909
baseline
▲ 0.50% · 4.625%
HK$65,676
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,818/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,809
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,547
−HK$1,763/mo
Today · 4.125%
HK$68,310
baseline
▲ 0.50% · 4.625%
HK$71,911
+HK$3,601/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,620/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,907
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,081
−HK$2,209/mo
Today · 4.125%
HK$74,290
baseline
▲ 0.50% · 4.625%
HK$78,811
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,580/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,770
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,856
−HK$2,116/mo
Today · 4.125%
HK$81,972
baseline
▲ 0.50% · 4.625%
HK$86,293
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,944/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,558
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,095
−HK$2,577/mo
Today · 4.125%
HK$86,672
baseline
▲ 0.50% · 4.625%
HK$91,946
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,344/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,732
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,166
−HK$2,468/mo
Today · 4.125%
HK$95,634
baseline
▲ 0.50% · 4.625%
HK$100,675
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,268/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,860
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,122
−HK$3,314/mo
Today · 4.125%
HK$111,436
baseline
▲ 0.50% · 4.625%
HK$118,216
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,872/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,656
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,784
−HK$3,174/mo
Today · 4.125%
HK$122,958
baseline
▲ 0.50% · 4.625%
HK$129,439
+HK$6,481/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,916/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,782 · Scale 2, in force from 26 Feb 2026)