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$58,049
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,855
−HK$1,834/mo
Today · 4.125%
HK$61,689
baseline
▲ 0.50% · 4.625%
HK$65,443
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,378/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,579
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,311
−HK$1,757/mo
Today · 4.125%
HK$68,068
baseline
▲ 0.50% · 4.625%
HK$71,656
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,136/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,659
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,826
−HK$2,201/mo
Today · 4.125%
HK$74,027
baseline
▲ 0.50% · 4.625%
HK$78,531
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,054/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,495
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,573
−HK$2,109/mo
Today · 4.125%
HK$81,682
baseline
▲ 0.50% · 4.625%
HK$85,987
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,364/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,269
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,797
−HK$2,568/mo
Today · 4.125%
HK$86,365
baseline
▲ 0.50% · 4.625%
HK$91,620
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,730/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,410
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,835
−HK$2,460/mo
Today · 4.125%
HK$95,295
baseline
▲ 0.50% · 4.625%
HK$100,318
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,590/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,488
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,738
−HK$3,303/mo
Today · 4.125%
HK$111,041
baseline
▲ 0.50% · 4.625%
HK$117,797
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,082/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,242
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,360
−HK$3,162/mo
Today · 4.125%
HK$122,522
baseline
▲ 0.50% · 4.625%
HK$128,981
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,044/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,932 · Scale 2, in force from 26 Feb 2026)