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$58,185
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,995
−HK$1,839/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,762/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,730
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,467
−HK$1,761/mo
Today · 4.125%
HK$68,228
baseline
▲ 0.50% · 4.625%
HK$71,824
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,456/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,822
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$2,207/mo
Today · 4.125%
HK$74,201
baseline
▲ 0.50% · 4.625%
HK$78,716
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,402/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,677
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,760
−HK$2,113/mo
Today · 4.125%
HK$81,873
baseline
▲ 0.50% · 4.625%
HK$86,189
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,746/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,459
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,575/mo
Today · 4.125%
HK$86,568
baseline
▲ 0.50% · 4.625%
HK$91,835
+HK$5,267/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,136/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,623
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,053
−HK$2,466/mo
Today · 4.125%
HK$95,519
baseline
▲ 0.50% · 4.625%
HK$100,554
+HK$5,035/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,038/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,733
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,991
−HK$3,310/mo
Today · 4.125%
HK$111,301
baseline
▲ 0.50% · 4.625%
HK$118,074
+HK$6,773/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,602/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,515
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,640
−HK$3,170/mo
Today · 4.125%
HK$122,810
baseline
▲ 0.50% · 4.625%
HK$129,283
+HK$6,473/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,620/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,472 · Scale 2, in force from 26 Feb 2026)