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$58,041
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,846
−HK$1,835/mo
Today · 4.125%
HK$61,681
baseline
▲ 0.50% · 4.625%
HK$65,434
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,362/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,570
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,302
−HK$1,757/mo
Today · 4.125%
HK$68,059
baseline
▲ 0.50% · 4.625%
HK$71,646
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,118/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,649
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,816
−HK$2,201/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$78,521
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,484
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,562
−HK$2,108/mo
Today · 4.125%
HK$81,670
baseline
▲ 0.50% · 4.625%
HK$85,975
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,340/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,257
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,785
−HK$2,568/mo
Today · 4.125%
HK$86,353
baseline
▲ 0.50% · 4.625%
HK$91,607
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,706/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,398
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,823
−HK$2,459/mo
Today · 4.125%
HK$95,282
baseline
▲ 0.50% · 4.625%
HK$100,305
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,564/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,474
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,724
−HK$3,301/mo
Today · 4.125%
HK$111,025
baseline
▲ 0.50% · 4.625%
HK$117,781
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,050/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,226
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,343
−HK$3,163/mo
Today · 4.125%
HK$122,506
baseline
▲ 0.50% · 4.625%
HK$128,963
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,012/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,785 · Scale 2, in force from 26 Feb 2026)