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$58,341
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,155
−HK$1,844/mo
Today · 4.125%
HK$61,999
baseline
▲ 0.50% · 4.625%
HK$65,772
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,998/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,904
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,644
−HK$1,766/mo
Today · 4.125%
HK$68,410
baseline
▲ 0.50% · 4.625%
HK$72,016
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,820/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,009
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,187
−HK$2,212/mo
Today · 4.125%
HK$74,399
baseline
▲ 0.50% · 4.625%
HK$78,926
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,798/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,884
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,973
−HK$2,119/mo
Today · 4.125%
HK$82,092
baseline
▲ 0.50% · 4.625%
HK$86,419
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,184/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,677
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,218
−HK$2,581/mo
Today · 4.125%
HK$86,799
baseline
▲ 0.50% · 4.625%
HK$92,080
+HK$5,281/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,598/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,865
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,302
−HK$2,472/mo
Today · 4.125%
HK$95,774
baseline
▲ 0.50% · 4.625%
HK$100,822
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,548/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,013
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,280
−HK$3,319/mo
Today · 4.125%
HK$111,599
baseline
▲ 0.50% · 4.625%
HK$118,389
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,198/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,826
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,960
−HK$3,178/mo
Today · 4.125%
HK$123,138
baseline
▲ 0.50% · 4.625%
HK$129,629
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,276/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,371 · Scale 2, in force from 26 Feb 2026)