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$58,307
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,121
−HK$1,842/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,734
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,866
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,606
−HK$1,765/mo
Today · 4.125%
HK$68,371
baseline
▲ 0.50% · 4.625%
HK$71,974
+HK$3,603/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,742/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,969
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,145
−HK$2,211/mo
Today · 4.125%
HK$74,356
baseline
▲ 0.50% · 4.625%
HK$78,881
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,712/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,839
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,927
−HK$2,118/mo
Today · 4.125%
HK$82,045
baseline
▲ 0.50% · 4.625%
HK$86,369
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,090/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,630
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,169
−HK$2,580/mo
Today · 4.125%
HK$86,749
baseline
▲ 0.50% · 4.625%
HK$92,027
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,498/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,812
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,248
−HK$2,471/mo
Today · 4.125%
HK$95,719
baseline
▲ 0.50% · 4.625%
HK$100,764
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,438/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,953
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,217
−HK$3,317/mo
Today · 4.125%
HK$111,534
baseline
▲ 0.50% · 4.625%
HK$118,321
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,068/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,759
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,890
−HK$3,177/mo
Today · 4.125%
HK$123,067
baseline
▲ 0.50% · 4.625%
HK$129,554
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,134/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,743 · Scale 2, in force from 26 Feb 2026)