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$58,288
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,101
−HK$1,843/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$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,845
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,584
−HK$1,765/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$71,951
+HK$3,602/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$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,946
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,122
−HK$2,210/mo
Today · 4.125%
HK$74,332
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,664/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,814
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,901
−HK$2,117/mo
Today · 4.125%
HK$82,018
baseline
▲ 0.50% · 4.625%
HK$86,342
+HK$4,324/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,036/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,604
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,579/mo
Today · 4.125%
HK$86,721
baseline
▲ 0.50% · 4.625%
HK$91,998
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,442/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,783
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,218
−HK$2,470/mo
Today · 4.125%
HK$95,688
baseline
▲ 0.50% · 4.625%
HK$100,732
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,376/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,919
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,183
−HK$3,315/mo
Today · 4.125%
HK$111,498
baseline
▲ 0.50% · 4.625%
HK$118,283
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$222,996/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,721
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,852
−HK$3,175/mo
Today · 4.125%
HK$123,027
baseline
▲ 0.50% · 4.625%
HK$129,512
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,054/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,394 · Scale 2, in force from 26 Feb 2026)