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$58,303
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,117
−HK$1,842/mo
Today · 4.125%
HK$61,959
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,771/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,918/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,601
−HK$1,765/mo
Today · 4.125%
HK$68,366
baseline
▲ 0.50% · 4.625%
HK$71,970
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,732/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,964
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,140
−HK$2,211/mo
Today · 4.125%
HK$74,351
baseline
▲ 0.50% · 4.625%
HK$78,875
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,702/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,834
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,922
−HK$2,117/mo
Today · 4.125%
HK$82,039
baseline
▲ 0.50% · 4.625%
HK$86,364
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,078/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,625
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,164
−HK$2,579/mo
Today · 4.125%
HK$86,743
baseline
▲ 0.50% · 4.625%
HK$92,021
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,486/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,807
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,242
−HK$2,471/mo
Today · 4.125%
HK$95,713
baseline
▲ 0.50% · 4.625%
HK$100,758
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,426/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,946
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,210
−HK$3,317/mo
Today · 4.125%
HK$111,527
baseline
▲ 0.50% · 4.625%
HK$118,313
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,054/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,751
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,883
−HK$3,176/mo
Today · 4.125%
HK$123,059
baseline
▲ 0.50% · 4.625%
HK$129,546
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,118/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,673 · Scale 2, in force from 26 Feb 2026)