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$58,291
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,104
−HK$1,842/mo
Today · 4.125%
HK$61,946
baseline
▲ 0.50% · 4.625%
HK$65,715
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,892/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,848
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,587
−HK$1,764/mo
Today · 4.125%
HK$68,351
baseline
▲ 0.50% · 4.625%
HK$71,954
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,702/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,949
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,125
−HK$2,210/mo
Today · 4.125%
HK$74,335
baseline
▲ 0.50% · 4.625%
HK$78,858
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,670/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,817
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,904
−HK$2,117/mo
Today · 4.125%
HK$82,021
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,042/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,607
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,145
−HK$2,579/mo
Today · 4.125%
HK$86,724
baseline
▲ 0.50% · 4.625%
HK$92,001
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,448/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,787
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,222
−HK$2,470/mo
Today · 4.125%
HK$95,692
baseline
▲ 0.50% · 4.625%
HK$100,736
+HK$5,044/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,384/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,923
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,187
−HK$3,316/mo
Today · 4.125%
HK$111,503
baseline
▲ 0.50% · 4.625%
HK$118,287
+HK$6,784/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,006/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,726
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,856
−HK$3,176/mo
Today · 4.125%
HK$123,032
baseline
▲ 0.50% · 4.625%
HK$129,517
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,064/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,435 · Scale 2, in force from 26 Feb 2026)