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$58,326
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,140
−HK$1,844/mo
Today · 4.125%
HK$61,984
baseline
▲ 0.50% · 4.625%
HK$65,755
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,968/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,887
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,627
−HK$1,766/mo
Today · 4.125%
HK$68,393
baseline
▲ 0.50% · 4.625%
HK$71,998
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,786/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,991
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,168
−HK$2,212/mo
Today · 4.125%
HK$74,380
baseline
▲ 0.50% · 4.625%
HK$78,906
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,760/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,864
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,953
−HK$2,118/mo
Today · 4.125%
HK$82,071
baseline
▲ 0.50% · 4.625%
HK$86,397
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,142/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,656
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,196
−HK$2,581/mo
Today · 4.125%
HK$86,777
baseline
▲ 0.50% · 4.625%
HK$92,057
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,554/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,842
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,278
−HK$2,472/mo
Today · 4.125%
HK$95,750
baseline
▲ 0.50% · 4.625%
HK$100,797
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,500/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,987
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,252
−HK$3,318/mo
Today · 4.125%
HK$111,570
baseline
▲ 0.50% · 4.625%
HK$118,359
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,140/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,797
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,929
−HK$3,178/mo
Today · 4.125%
HK$123,107
baseline
▲ 0.50% · 4.625%
HK$129,596
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,214/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,095 · Scale 2, in force from 26 Feb 2026)