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$58,289
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,102
−HK$1,842/mo
Today · 4.125%
HK$61,944
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,888/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,846
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,585
−HK$1,764/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$71,952
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,947
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,122
−HK$2,211/mo
Today · 4.125%
HK$74,333
baseline
▲ 0.50% · 4.625%
HK$78,856
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,666/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,815
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,902
−HK$2,117/mo
Today · 4.125%
HK$82,019
baseline
▲ 0.50% · 4.625%
HK$86,342
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,038/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,604
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,143
−HK$2,579/mo
Today · 4.125%
HK$86,722
baseline
▲ 0.50% · 4.625%
HK$91,999
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,444/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,784
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,219
−HK$2,470/mo
Today · 4.125%
HK$95,689
baseline
▲ 0.50% · 4.625%
HK$100,733
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,378/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,920
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,184
−HK$3,315/mo
Today · 4.125%
HK$111,499
baseline
▲ 0.50% · 4.625%
HK$118,284
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$222,998/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,722
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,853
−HK$3,176/mo
Today · 4.125%
HK$123,029
baseline
▲ 0.50% · 4.625%
HK$129,514
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,058/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,404 · Scale 2, in force from 26 Feb 2026)