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$58,007
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,811
−HK$1,833/mo
Today · 4.125%
HK$61,644
baseline
▲ 0.50% · 4.625%
HK$65,395
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,288/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,532
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,263
−HK$1,756/mo
Today · 4.125%
HK$68,019
baseline
▲ 0.50% · 4.625%
HK$71,604
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,038/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,608
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,774
−HK$2,199/mo
Today · 4.125%
HK$73,973
baseline
▲ 0.50% · 4.625%
HK$78,474
+HK$4,501/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,946/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,439
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,515
−HK$2,107/mo
Today · 4.125%
HK$81,622
baseline
▲ 0.50% · 4.625%
HK$85,925
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,244/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,210
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,736
−HK$2,566/mo
Today · 4.125%
HK$86,302
baseline
▲ 0.50% · 4.625%
HK$91,554
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,604/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,345
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,768
−HK$2,458/mo
Today · 4.125%
HK$95,226
baseline
▲ 0.50% · 4.625%
HK$100,246
+HK$5,020/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,452/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,412
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,660
−HK$3,300/mo
Today · 4.125%
HK$110,960
baseline
▲ 0.50% · 4.625%
HK$117,712
+HK$6,752/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,920/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,158
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,273
−HK$3,160/mo
Today · 4.125%
HK$122,433
baseline
▲ 0.50% · 4.625%
HK$128,887
+HK$6,454/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,866/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,148 · Scale 2, in force from 26 Feb 2026)