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$58,337
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,843/mo
Today · 4.125%
HK$61,995
baseline
▲ 0.50% · 4.625%
HK$65,768
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,990/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,899
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,640
−HK$1,766/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,011
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,004
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,182
−HK$2,212/mo
Today · 4.125%
HK$74,394
baseline
▲ 0.50% · 4.625%
HK$78,921
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,788/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,879
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,968
−HK$2,119/mo
Today · 4.125%
HK$82,087
baseline
▲ 0.50% · 4.625%
HK$86,414
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,174/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,672
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,212
−HK$2,581/mo
Today · 4.125%
HK$86,793
baseline
▲ 0.50% · 4.625%
HK$92,075
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,586/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,859
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,296
−HK$2,472/mo
Today · 4.125%
HK$95,768
baseline
▲ 0.50% · 4.625%
HK$100,816
+HK$5,048/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,536/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,007
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,273
−HK$3,318/mo
Today · 4.125%
HK$111,591
baseline
▲ 0.50% · 4.625%
HK$118,382
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,182/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,819
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,952
−HK$3,178/mo
Today · 4.125%
HK$123,130
baseline
▲ 0.50% · 4.625%
HK$129,621
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,260/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,300 · Scale 2, in force from 26 Feb 2026)