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$58,240
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,051
−HK$1,841/mo
Today · 4.125%
HK$61,892
baseline
▲ 0.50% · 4.625%
HK$65,658
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,784/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,791
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,529
−HK$1,762/mo
Today · 4.125%
HK$68,291
baseline
▲ 0.50% · 4.625%
HK$71,891
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,582/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,887
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,061
−HK$2,209/mo
Today · 4.125%
HK$74,270
baseline
▲ 0.50% · 4.625%
HK$78,789
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,540/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,749
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,834
−HK$2,116/mo
Today · 4.125%
HK$81,950
baseline
▲ 0.50% · 4.625%
HK$86,269
+HK$4,319/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,900/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,535
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,072
−HK$2,576/mo
Today · 4.125%
HK$86,648
baseline
▲ 0.50% · 4.625%
HK$91,921
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,296/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,707
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,140
−HK$2,468/mo
Today · 4.125%
HK$95,608
baseline
▲ 0.50% · 4.625%
HK$100,648
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,216/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,831
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,092
−HK$3,313/mo
Today · 4.125%
HK$111,405
baseline
▲ 0.50% · 4.625%
HK$118,184
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,810/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,624
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,751
−HK$3,174/mo
Today · 4.125%
HK$122,925
baseline
▲ 0.50% · 4.625%
HK$129,404
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,850/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,485 · Scale 2, in force from 26 Feb 2026)