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$58,334
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,148
−HK$1,844/mo
Today · 4.125%
HK$61,992
baseline
▲ 0.50% · 4.625%
HK$65,764
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,984/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,896
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,636
−HK$1,766/mo
Today · 4.125%
HK$68,402
baseline
▲ 0.50% · 4.625%
HK$72,007
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,804/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,178
−HK$2,212/mo
Today · 4.125%
HK$74,390
baseline
▲ 0.50% · 4.625%
HK$78,916
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,780/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,875
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,963
−HK$2,119/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$86,409
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,164/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,667
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,207
−HK$2,581/mo
Today · 4.125%
HK$86,788
baseline
▲ 0.50% · 4.625%
HK$92,069
+HK$5,281/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,576/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,854
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,290
−HK$2,472/mo
Today · 4.125%
HK$95,762
baseline
▲ 0.50% · 4.625%
HK$100,810
+HK$5,048/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,524/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,001
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,267
−HK$3,318/mo
Today · 4.125%
HK$111,585
baseline
▲ 0.50% · 4.625%
HK$118,375
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,170/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,812
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,945
−HK$3,178/mo
Today · 4.125%
HK$123,123
baseline
▲ 0.50% · 4.625%
HK$129,613
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,246/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,238 · Scale 2, in force from 26 Feb 2026)