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$58,302
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,116
−HK$1,842/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,728
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,861
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,600
−HK$1,765/mo
Today · 4.125%
HK$68,365
baseline
▲ 0.50% · 4.625%
HK$71,968
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,730/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,963
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,139
−HK$2,211/mo
Today · 4.125%
HK$74,350
baseline
▲ 0.50% · 4.625%
HK$78,874
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,700/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,833
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,920
−HK$2,118/mo
Today · 4.125%
HK$82,038
baseline
▲ 0.50% · 4.625%
HK$86,362
+HK$4,324/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,076/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,623
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,162
−HK$2,579/mo
Today · 4.125%
HK$86,741
baseline
▲ 0.50% · 4.625%
HK$92,019
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,482/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,805
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,240
−HK$2,471/mo
Today · 4.125%
HK$95,711
baseline
▲ 0.50% · 4.625%
HK$100,756
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,422/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,944
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,208
−HK$3,317/mo
Today · 4.125%
HK$111,525
baseline
▲ 0.50% · 4.625%
HK$118,311
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,050/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,749
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,880
−HK$3,177/mo
Today · 4.125%
HK$123,057
baseline
▲ 0.50% · 4.625%
HK$129,543
+HK$6,486/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,114/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,651 · Scale 2, in force from 26 Feb 2026)