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$58,330
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,145
−HK$1,843/mo
Today · 4.125%
HK$61,988
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,976/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,892
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,632
−HK$1,766/mo
Today · 4.125%
HK$68,398
baseline
▲ 0.50% · 4.625%
HK$72,003
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,796/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,997
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,174
−HK$2,212/mo
Today · 4.125%
HK$74,386
baseline
▲ 0.50% · 4.625%
HK$78,912
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,772/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,870
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,959
−HK$2,119/mo
Today · 4.125%
HK$82,078
baseline
▲ 0.50% · 4.625%
HK$86,404
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,156/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,663
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,203
−HK$2,581/mo
Today · 4.125%
HK$86,784
baseline
▲ 0.50% · 4.625%
HK$92,064
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,568/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,849
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,285
−HK$2,472/mo
Today · 4.125%
HK$95,757
baseline
▲ 0.50% · 4.625%
HK$100,805
+HK$5,048/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,514/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,995
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,261
−HK$3,318/mo
Today · 4.125%
HK$111,579
baseline
▲ 0.50% · 4.625%
HK$118,368
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,158/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,806
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,938
−HK$3,178/mo
Today · 4.125%
HK$123,116
baseline
▲ 0.50% · 4.625%
HK$129,606
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,232/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,178 · Scale 2, in force from 26 Feb 2026)