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$58,297
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,111
−HK$1,842/mo
Today · 4.125%
HK$61,953
baseline
▲ 0.50% · 4.625%
HK$65,723
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,906/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,855
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,594
−HK$1,765/mo
Today · 4.125%
HK$68,359
baseline
▲ 0.50% · 4.625%
HK$71,962
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,718/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,957
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,133
−HK$2,211/mo
Today · 4.125%
HK$74,344
baseline
▲ 0.50% · 4.625%
HK$78,867
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,688/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,826
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,913
−HK$2,118/mo
Today · 4.125%
HK$82,031
baseline
▲ 0.50% · 4.625%
HK$86,355
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,062/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,616
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,155
−HK$2,579/mo
Today · 4.125%
HK$86,734
baseline
▲ 0.50% · 4.625%
HK$92,012
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,468/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,797
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,232
−HK$2,471/mo
Today · 4.125%
HK$95,703
baseline
▲ 0.50% · 4.625%
HK$100,747
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,406/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,935
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,199
−HK$3,316/mo
Today · 4.125%
HK$111,515
baseline
▲ 0.50% · 4.625%
HK$118,301
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,030/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,739
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,870
−HK$3,176/mo
Today · 4.125%
HK$123,046
baseline
▲ 0.50% · 4.625%
HK$129,532
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,092/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,559 · Scale 2, in force from 26 Feb 2026)