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$58,311
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,125
−HK$1,843/mo
Today · 4.125%
HK$61,968
baseline
▲ 0.50% · 4.625%
HK$65,739
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,936/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,871
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,611
−HK$1,765/mo
Today · 4.125%
HK$68,376
baseline
▲ 0.50% · 4.625%
HK$71,980
+HK$3,604/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,752/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,974
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,150
−HK$2,212/mo
Today · 4.125%
HK$74,362
baseline
▲ 0.50% · 4.625%
HK$78,886
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,724/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,845
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,933
−HK$2,118/mo
Today · 4.125%
HK$82,051
baseline
▲ 0.50% · 4.625%
HK$86,376
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,102/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,636
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,175
−HK$2,580/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$92,034
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,819
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,255
−HK$2,471/mo
Today · 4.125%
HK$95,726
baseline
▲ 0.50% · 4.625%
HK$100,772
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,452/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,960
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,225
−HK$3,317/mo
Today · 4.125%
HK$111,542
baseline
▲ 0.50% · 4.625%
HK$118,329
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,084/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,767
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,899
−HK$3,177/mo
Today · 4.125%
HK$123,076
baseline
▲ 0.50% · 4.625%
HK$129,564
+HK$6,488/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,152/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,822 · Scale 2, in force from 26 Feb 2026)