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$58,323
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,137
−HK$1,843/mo
Today · 4.125%
HK$61,980
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,960/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,624
−HK$1,765/mo
Today · 4.125%
HK$68,389
baseline
▲ 0.50% · 4.625%
HK$71,994
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,778/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,987
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,164
−HK$2,212/mo
Today · 4.125%
HK$74,376
baseline
▲ 0.50% · 4.625%
HK$78,902
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,752/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,860
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,949
−HK$2,118/mo
Today · 4.125%
HK$82,067
baseline
▲ 0.50% · 4.625%
HK$86,393
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,134/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,652
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,192
−HK$2,580/mo
Today · 4.125%
HK$86,772
baseline
▲ 0.50% · 4.625%
HK$92,052
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,544/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,837
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,273
−HK$2,472/mo
Today · 4.125%
HK$95,745
baseline
▲ 0.50% · 4.625%
HK$100,792
+HK$5,047/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,490/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,981
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,247
−HK$3,317/mo
Today · 4.125%
HK$111,564
baseline
▲ 0.50% · 4.625%
HK$118,353
+HK$6,789/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,128/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,791
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,923
−HK$3,177/mo
Today · 4.125%
HK$123,100
baseline
▲ 0.50% · 4.625%
HK$129,589
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,200/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,087,037 · Scale 2, in force from 26 Feb 2026)