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$58,322
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,136
−HK$1,843/mo
Today · 4.125%
HK$61,979
baseline
▲ 0.50% · 4.625%
HK$65,751
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,958/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,883
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,623
−HK$1,765/mo
Today · 4.125%
HK$68,388
baseline
▲ 0.50% · 4.625%
HK$71,993
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,776/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,987
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,164
−HK$2,211/mo
Today · 4.125%
HK$74,375
baseline
▲ 0.50% · 4.625%
HK$78,901
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,750/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,859
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,947
−HK$2,119/mo
Today · 4.125%
HK$82,066
baseline
▲ 0.50% · 4.625%
HK$86,392
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,132/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,651
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,191
−HK$2,580/mo
Today · 4.125%
HK$86,771
baseline
▲ 0.50% · 4.625%
HK$92,051
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,542/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,836
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,272
−HK$2,471/mo
Today · 4.125%
HK$95,743
baseline
▲ 0.50% · 4.625%
HK$100,790
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,486/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,980
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,245
−HK$3,318/mo
Today · 4.125%
HK$111,563
baseline
▲ 0.50% · 4.625%
HK$118,351
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,126/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,789
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,921
−HK$3,178/mo
Today · 4.125%
HK$123,099
baseline
▲ 0.50% · 4.625%
HK$129,587
+HK$6,488/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,198/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,023 · Scale 2, in force from 26 Feb 2026)