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$58,327
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,141
−HK$1,844/mo
Today · 4.125%
HK$61,985
baseline
▲ 0.50% · 4.625%
HK$65,756
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,970/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,888
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,629
−HK$1,765/mo
Today · 4.125%
HK$68,394
baseline
▲ 0.50% · 4.625%
HK$71,999
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,788/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,993
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,170
−HK$2,212/mo
Today · 4.125%
HK$74,382
baseline
▲ 0.50% · 4.625%
HK$78,908
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,764/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,866
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,954
−HK$2,119/mo
Today · 4.125%
HK$82,073
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,146/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,658
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,198
−HK$2,581/mo
Today · 4.125%
HK$86,779
baseline
▲ 0.50% · 4.625%
HK$92,059
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,558/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,844
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,280
−HK$2,472/mo
Today · 4.125%
HK$95,752
baseline
▲ 0.50% · 4.625%
HK$100,799
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,504/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,989
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,255
−HK$3,318/mo
Today · 4.125%
HK$111,573
baseline
▲ 0.50% · 4.625%
HK$118,362
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,146/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,799
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,932
−HK$3,177/mo
Today · 4.125%
HK$123,109
baseline
▲ 0.50% · 4.625%
HK$129,599
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,218/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,117 · Scale 2, in force from 26 Feb 2026)