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$58,195
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,005
−HK$1,840/mo
Today · 4.125%
HK$61,845
baseline
▲ 0.50% · 4.625%
HK$65,608
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,690/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,742
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,478
−HK$1,761/mo
Today · 4.125%
HK$68,239
baseline
▲ 0.50% · 4.625%
HK$71,836
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,478/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,834
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,006
−HK$2,207/mo
Today · 4.125%
HK$74,213
baseline
▲ 0.50% · 4.625%
HK$78,729
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,426/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,690
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,773
−HK$2,114/mo
Today · 4.125%
HK$81,887
baseline
▲ 0.50% · 4.625%
HK$86,204
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,774/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,473
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,008
−HK$2,574/mo
Today · 4.125%
HK$86,582
baseline
▲ 0.50% · 4.625%
HK$91,851
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,164/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,638
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,069
−HK$2,466/mo
Today · 4.125%
HK$95,535
baseline
▲ 0.50% · 4.625%
HK$100,571
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,070/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,751
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,010
−HK$3,310/mo
Today · 4.125%
HK$111,320
baseline
▲ 0.50% · 4.625%
HK$118,094
+HK$6,774/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,640/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,535
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,660
−HK$3,171/mo
Today · 4.125%
HK$122,831
baseline
▲ 0.50% · 4.625%
HK$129,305
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,662/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,657 · Scale 2, in force from 26 Feb 2026)