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$58,246
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,058
−HK$1,841/mo
Today · 4.125%
HK$61,899
baseline
▲ 0.50% · 4.625%
HK$65,665
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,798/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,798
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,536
−HK$1,763/mo
Today · 4.125%
HK$68,299
baseline
▲ 0.50% · 4.625%
HK$71,899
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,598/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,895
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,069
−HK$2,209/mo
Today · 4.125%
HK$74,278
baseline
▲ 0.50% · 4.625%
HK$78,798
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,556/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,758
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,843
−HK$2,116/mo
Today · 4.125%
HK$81,959
baseline
▲ 0.50% · 4.625%
HK$86,279
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,918/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,544
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,081
−HK$2,577/mo
Today · 4.125%
HK$86,658
baseline
▲ 0.50% · 4.625%
HK$91,931
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,316/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,717
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,150
−HK$2,468/mo
Today · 4.125%
HK$95,618
baseline
▲ 0.50% · 4.625%
HK$100,659
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,236/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,843
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,104
−HK$3,313/mo
Today · 4.125%
HK$111,417
baseline
▲ 0.50% · 4.625%
HK$118,197
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,834/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,637
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,765
−HK$3,173/mo
Today · 4.125%
HK$122,938
baseline
▲ 0.50% · 4.625%
HK$129,418
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,876/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,604 · Scale 2, in force from 26 Feb 2026)