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$58,333
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,148
−HK$1,843/mo
Today · 4.125%
HK$61,991
baseline
▲ 0.50% · 4.625%
HK$65,763
+HK$3,772/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,982/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,895
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,635
−HK$1,766/mo
Today · 4.125%
HK$68,401
baseline
▲ 0.50% · 4.625%
HK$72,007
+HK$3,606/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,802/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,177
−HK$2,212/mo
Today · 4.125%
HK$74,389
baseline
▲ 0.50% · 4.625%
HK$78,916
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,778/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,874
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,962
−HK$2,119/mo
Today · 4.125%
HK$82,081
baseline
▲ 0.50% · 4.625%
HK$86,408
+HK$4,327/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,162/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,666
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,207
−HK$2,581/mo
Today · 4.125%
HK$86,788
baseline
▲ 0.50% · 4.625%
HK$92,068
+HK$5,280/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,576/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,853
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,290
−HK$2,471/mo
Today · 4.125%
HK$95,761
baseline
▲ 0.50% · 4.625%
HK$100,809
+HK$5,048/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,522/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,000
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,266
−HK$3,318/mo
Today · 4.125%
HK$111,584
baseline
▲ 0.50% · 4.625%
HK$118,374
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,168/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,811
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,944
−HK$3,178/mo
Today · 4.125%
HK$123,122
baseline
▲ 0.50% · 4.625%
HK$129,612
+HK$6,490/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,244/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,227 · Scale 2, in force from 26 Feb 2026)