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$58,284
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,097
−HK$1,842/mo
Today · 4.125%
HK$61,939
baseline
▲ 0.50% · 4.625%
HK$65,708
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,878/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,841
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,580
−HK$1,764/mo
Today · 4.125%
HK$68,344
baseline
▲ 0.50% · 4.625%
HK$71,946
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,688/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,941
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,117
−HK$2,210/mo
Today · 4.125%
HK$74,327
baseline
▲ 0.50% · 4.625%
HK$78,850
+HK$4,523/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$148,654/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,809
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,896
−HK$2,117/mo
Today · 4.125%
HK$82,013
baseline
▲ 0.50% · 4.625%
HK$86,336
+HK$4,323/mo
Deposit HK$10.22M · loan HK$15.34M · min. income ≈ HK$164,026/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,598
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,136
−HK$2,579/mo
Today · 4.125%
HK$86,715
baseline
▲ 0.50% · 4.625%
HK$91,991
+HK$5,276/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,430/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,777
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,212
−HK$2,470/mo
Today · 4.125%
HK$95,682
baseline
▲ 0.50% · 4.625%
HK$100,725
+HK$5,043/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,364/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,912
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,175
−HK$3,316/mo
Today · 4.125%
HK$111,491
baseline
▲ 0.50% · 4.625%
HK$118,275
+HK$6,784/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,982/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,713
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,844
−HK$3,175/mo
Today · 4.125%
HK$123,019
baseline
▲ 0.50% · 4.625%
HK$129,504
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$246,038/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,320 · Scale 2, in force from 26 Feb 2026)