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$58,294
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,107
−HK$1,843/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,769/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,852
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,591
−HK$1,764/mo
Today · 4.125%
HK$68,355
baseline
▲ 0.50% · 4.625%
HK$71,958
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,710/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,953
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,129
−HK$2,210/mo
Today · 4.125%
HK$74,339
baseline
▲ 0.50% · 4.625%
HK$78,863
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,678/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,822
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,909
−HK$2,117/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$86,350
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,612
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,150
−HK$2,579/mo
Today · 4.125%
HK$86,729
baseline
▲ 0.50% · 4.625%
HK$92,007
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,458/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,792
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,227
−HK$2,470/mo
Today · 4.125%
HK$95,697
baseline
▲ 0.50% · 4.625%
HK$100,742
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,394/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,929
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,193
−HK$3,316/mo
Today · 4.125%
HK$111,509
baseline
▲ 0.50% · 4.625%
HK$118,294
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,018/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,733
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,863
−HK$3,176/mo
Today · 4.125%
HK$123,039
baseline
▲ 0.50% · 4.625%
HK$129,525
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,078/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,499 · Scale 2, in force from 26 Feb 2026)