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$58,293
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,106
−HK$1,843/mo
Today · 4.125%
HK$61,949
baseline
▲ 0.50% · 4.625%
HK$65,718
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,898/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,850
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,590
−HK$1,764/mo
Today · 4.125%
HK$68,354
baseline
▲ 0.50% · 4.625%
HK$71,957
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,708/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,952
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,128
−HK$2,210/mo
Today · 4.125%
HK$74,338
baseline
▲ 0.50% · 4.625%
HK$78,862
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,676/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,820
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,908
−HK$2,117/mo
Today · 4.125%
HK$82,025
baseline
▲ 0.50% · 4.625%
HK$86,349
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,050/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,610
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,149
−HK$2,579/mo
Today · 4.125%
HK$86,728
baseline
▲ 0.50% · 4.625%
HK$92,005
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,456/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,791
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,226
−HK$2,470/mo
Today · 4.125%
HK$95,696
baseline
▲ 0.50% · 4.625%
HK$100,740
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,392/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,927
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,191
−HK$3,316/mo
Today · 4.125%
HK$111,507
baseline
▲ 0.50% · 4.625%
HK$118,292
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,014/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,731
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,861
−HK$3,176/mo
Today · 4.125%
HK$123,037
baseline
▲ 0.50% · 4.625%
HK$129,523
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,074/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,481 · Scale 2, in force from 26 Feb 2026)