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$58,203
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,013
−HK$1,839/mo
Today · 4.125%
HK$61,852
baseline
▲ 0.50% · 4.625%
HK$65,616
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,704/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,750
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,486
−HK$1,762/mo
Today · 4.125%
HK$68,248
baseline
▲ 0.50% · 4.625%
HK$71,845
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,496/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,843
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,016
−HK$2,207/mo
Today · 4.125%
HK$74,223
baseline
▲ 0.50% · 4.625%
HK$78,739
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,446/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,700
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,784
−HK$2,114/mo
Today · 4.125%
HK$81,898
baseline
▲ 0.50% · 4.625%
HK$86,215
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,796/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,484
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,018
−HK$2,575/mo
Today · 4.125%
HK$86,593
baseline
▲ 0.50% · 4.625%
HK$91,862
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,186/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,650
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,081
−HK$2,466/mo
Today · 4.125%
HK$95,547
baseline
▲ 0.50% · 4.625%
HK$100,584
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,094/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,765
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,023
−HK$3,311/mo
Today · 4.125%
HK$111,334
baseline
▲ 0.50% · 4.625%
HK$118,109
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,668/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,550
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,675
−HK$3,171/mo
Today · 4.125%
HK$122,846
baseline
▲ 0.50% · 4.625%
HK$129,322
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,692/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,795 · Scale 2, in force from 26 Feb 2026)