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$58,305
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,118
−HK$1,843/mo
Today · 4.125%
HK$61,961
baseline
▲ 0.50% · 4.625%
HK$65,731
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,922/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,863
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,603
−HK$1,765/mo
Today · 4.125%
HK$68,368
baseline
▲ 0.50% · 4.625%
HK$71,972
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,736/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,966
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$2,211/mo
Today · 4.125%
HK$74,353
baseline
▲ 0.50% · 4.625%
HK$78,877
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,706/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,836
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,924
−HK$2,117/mo
Today · 4.125%
HK$82,041
baseline
▲ 0.50% · 4.625%
HK$86,366
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,082/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,627
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,166
−HK$2,579/mo
Today · 4.125%
HK$86,745
baseline
▲ 0.50% · 4.625%
HK$92,024
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,490/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,809
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,244
−HK$2,471/mo
Today · 4.125%
HK$95,715
baseline
▲ 0.50% · 4.625%
HK$100,760
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,430/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,949
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,213
−HK$3,317/mo
Today · 4.125%
HK$111,530
baseline
▲ 0.50% · 4.625%
HK$118,316
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,060/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,754
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,885
−HK$3,177/mo
Today · 4.125%
HK$123,062
baseline
▲ 0.50% · 4.625%
HK$129,549
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,124/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,699 · Scale 2, in force from 26 Feb 2026)