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$58,314
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,128
−HK$1,843/mo
Today · 4.125%
HK$61,971
baseline
▲ 0.50% · 4.625%
HK$65,742
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,942/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,874
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,614
−HK$1,765/mo
Today · 4.125%
HK$68,379
baseline
▲ 0.50% · 4.625%
HK$71,983
+HK$3,604/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,758/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,977
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,154
−HK$2,211/mo
Today · 4.125%
HK$74,365
baseline
▲ 0.50% · 4.625%
HK$78,890
+HK$4,525/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,730/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,849
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,937
−HK$2,118/mo
Today · 4.125%
HK$82,055
baseline
▲ 0.50% · 4.625%
HK$86,380
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,110/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,640
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,180
−HK$2,580/mo
Today · 4.125%
HK$86,760
baseline
▲ 0.50% · 4.625%
HK$92,039
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,520/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,824
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,260
−HK$2,471/mo
Today · 4.125%
HK$95,731
baseline
▲ 0.50% · 4.625%
HK$100,777
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,462/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,966
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,231
−HK$3,317/mo
Today · 4.125%
HK$111,548
baseline
▲ 0.50% · 4.625%
HK$118,336
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,096/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,773
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,905
−HK$3,177/mo
Today · 4.125%
HK$123,082
baseline
▲ 0.50% · 4.625%
HK$129,570
+HK$6,488/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,164/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,878 · Scale 2, in force from 26 Feb 2026)