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$58,310
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,842/mo
Today · 4.125%
HK$61,966
baseline
▲ 0.50% · 4.625%
HK$65,737
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,932/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,869
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,609
−HK$1,765/mo
Today · 4.125%
HK$68,374
baseline
▲ 0.50% · 4.625%
HK$71,978
+HK$3,604/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,748/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,972
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,148
−HK$2,212/mo
Today · 4.125%
HK$74,360
baseline
▲ 0.50% · 4.625%
HK$78,884
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,720/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,843
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,931
−HK$2,118/mo
Today · 4.125%
HK$82,049
baseline
▲ 0.50% · 4.625%
HK$86,373
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,098/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,634
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,173
−HK$2,580/mo
Today · 4.125%
HK$86,753
baseline
▲ 0.50% · 4.625%
HK$92,032
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,506/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,817
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,252
−HK$2,471/mo
Today · 4.125%
HK$95,723
baseline
▲ 0.50% · 4.625%
HK$100,769
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,446/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,958
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,222
−HK$3,317/mo
Today · 4.125%
HK$111,539
baseline
▲ 0.50% · 4.625%
HK$118,326
+HK$6,787/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,078/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,764
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,896
−HK$3,177/mo
Today · 4.125%
HK$123,073
baseline
▲ 0.50% · 4.625%
HK$129,560
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,146/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,794 · Scale 2, in force from 26 Feb 2026)