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$58,304
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,118
−HK$1,843/mo
Today · 4.125%
HK$61,961
baseline
▲ 0.50% · 4.625%
HK$65,731
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,922/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,863
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,603
−HK$1,764/mo
Today · 4.125%
HK$68,367
baseline
▲ 0.50% · 4.625%
HK$71,971
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,734/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,965
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$2,211/mo
Today · 4.125%
HK$74,353
baseline
▲ 0.50% · 4.625%
HK$78,877
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,706/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,836
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,923
−HK$2,118/mo
Today · 4.125%
HK$82,041
baseline
▲ 0.50% · 4.625%
HK$86,365
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,082/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,626
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,165
−HK$2,580/mo
Today · 4.125%
HK$86,745
baseline
▲ 0.50% · 4.625%
HK$92,023
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,490/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,808
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,244
−HK$2,470/mo
Today · 4.125%
HK$95,714
baseline
▲ 0.50% · 4.625%
HK$100,760
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,428/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,948
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,213
−HK$3,316/mo
Today · 4.125%
HK$111,529
baseline
▲ 0.50% · 4.625%
HK$118,316
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,058/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,754
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,885
−HK$3,176/mo
Today · 4.125%
HK$123,061
baseline
▲ 0.50% · 4.625%
HK$129,548
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,122/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,694 · Scale 2, in force from 26 Feb 2026)