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$58,301
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,114
−HK$1,843/mo
Today · 4.125%
HK$61,957
baseline
▲ 0.50% · 4.625%
HK$65,727
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,914/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,859
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,599
−HK$1,764/mo
Today · 4.125%
HK$68,363
baseline
▲ 0.50% · 4.625%
HK$71,967
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,726/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,961
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,137
−HK$2,211/mo
Today · 4.125%
HK$74,348
baseline
▲ 0.50% · 4.625%
HK$78,872
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,696/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,831
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,918
−HK$2,118/mo
Today · 4.125%
HK$82,036
baseline
▲ 0.50% · 4.625%
HK$86,360
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,072/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,621
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,160
−HK$2,580/mo
Today · 4.125%
HK$86,740
baseline
▲ 0.50% · 4.625%
HK$92,018
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,480/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,803
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,238
−HK$2,471/mo
Today · 4.125%
HK$95,709
baseline
▲ 0.50% · 4.625%
HK$100,754
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,418/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,942
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,206
−HK$3,316/mo
Today · 4.125%
HK$111,522
baseline
▲ 0.50% · 4.625%
HK$118,308
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,044/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,747
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,878
−HK$3,176/mo
Today · 4.125%
HK$123,054
baseline
▲ 0.50% · 4.625%
HK$129,540
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,108/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,628 · Scale 2, in force from 26 Feb 2026)