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$58,176
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,986
−HK$1,838/mo
Today · 4.125%
HK$61,824
baseline
▲ 0.50% · 4.625%
HK$65,586
+HK$3,762/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,648/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,721
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,456
−HK$1,761/mo
Today · 4.125%
HK$68,217
baseline
▲ 0.50% · 4.625%
HK$71,813
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,434/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,812
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,983
−HK$2,206/mo
Today · 4.125%
HK$74,189
baseline
▲ 0.50% · 4.625%
HK$78,704
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,378/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,665
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,748
−HK$2,113/mo
Today · 4.125%
HK$81,861
baseline
▲ 0.50% · 4.625%
HK$86,176
+HK$4,315/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,722/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,447
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,980
−HK$2,574/mo
Today · 4.125%
HK$86,554
baseline
▲ 0.50% · 4.625%
HK$91,821
+HK$5,267/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,108/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,609
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,039
−HK$2,465/mo
Today · 4.125%
HK$95,504
baseline
▲ 0.50% · 4.625%
HK$100,538
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,008/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,717
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,975
−HK$3,309/mo
Today · 4.125%
HK$111,284
baseline
▲ 0.50% · 4.625%
HK$118,055
+HK$6,771/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,568/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,497
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,621
−HK$3,170/mo
Today · 4.125%
HK$122,791
baseline
▲ 0.50% · 4.625%
HK$129,263
+HK$6,472/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,582/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,305 · Scale 2, in force from 26 Feb 2026)