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$58,262
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,074
−HK$1,842/mo
Today · 4.125%
HK$61,916
baseline
▲ 0.50% · 4.625%
HK$65,683
+HK$3,767/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,832/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,816
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,554
−HK$1,764/mo
Today · 4.125%
HK$68,318
baseline
▲ 0.50% · 4.625%
HK$71,919
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,636/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,914
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,089
−HK$2,210/mo
Today · 4.125%
HK$74,299
baseline
▲ 0.50% · 4.625%
HK$78,820
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,598/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,779
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,865
−HK$2,116/mo
Today · 4.125%
HK$81,981
baseline
▲ 0.50% · 4.625%
HK$86,303
+HK$4,322/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,962/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,567
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,104
−HK$2,578/mo
Today · 4.125%
HK$86,682
baseline
▲ 0.50% · 4.625%
HK$91,956
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,364/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,742
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,176
−HK$2,469/mo
Today · 4.125%
HK$95,645
baseline
▲ 0.50% · 4.625%
HK$100,686
+HK$5,041/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,290/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,872
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,134
−HK$3,314/mo
Today · 4.125%
HK$111,448
baseline
▲ 0.50% · 4.625%
HK$118,229
+HK$6,781/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,896/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,669
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,798
−HK$3,174/mo
Today · 4.125%
HK$122,972
baseline
▲ 0.50% · 4.625%
HK$129,454
+HK$6,482/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,944/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,904 · Scale 2, in force from 26 Feb 2026)