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$58,351
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,844/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,784
+HK$3,774/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,915
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,656
−HK$1,766/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$3,607/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,022
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,200
−HK$2,212/mo
Today · 4.125%
HK$74,412
baseline
▲ 0.50% · 4.625%
HK$78,940
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,824/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,898
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,987
−HK$2,120/mo
Today · 4.125%
HK$82,107
baseline
▲ 0.50% · 4.625%
HK$86,435
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$164,214/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,692
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,233
−HK$2,582/mo
Today · 4.125%
HK$86,815
baseline
▲ 0.50% · 4.625%
HK$92,097
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,630/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,881
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,319
−HK$2,472/mo
Today · 4.125%
HK$95,791
baseline
▲ 0.50% · 4.625%
HK$100,841
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,582/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,032
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,299
−HK$3,320/mo
Today · 4.125%
HK$111,619
baseline
▲ 0.50% · 4.625%
HK$118,410
+HK$6,791/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,238/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,847
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,981
−HK$3,179/mo
Today · 4.125%
HK$123,160
baseline
▲ 0.50% · 4.625%
HK$129,652
+HK$6,492/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,320/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,566 · Scale 2, in force from 26 Feb 2026)