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$58,199
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,010
−HK$1,839/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,612
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,746
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,483
−HK$1,761/mo
Today · 4.125%
HK$68,244
baseline
▲ 0.50% · 4.625%
HK$71,842
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,488/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,839
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,012
−HK$2,207/mo
Today · 4.125%
HK$74,219
baseline
▲ 0.50% · 4.625%
HK$78,735
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,438/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,696
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,779
−HK$2,114/mo
Today · 4.125%
HK$81,893
baseline
▲ 0.50% · 4.625%
HK$86,210
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,786/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,479
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,014
−HK$2,575/mo
Today · 4.125%
HK$86,589
baseline
▲ 0.50% · 4.625%
HK$91,857
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,178/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,645
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,076
−HK$2,466/mo
Today · 4.125%
HK$95,542
baseline
▲ 0.50% · 4.625%
HK$100,578
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,084/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,759
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,018
−HK$3,310/mo
Today · 4.125%
HK$111,328
baseline
▲ 0.50% · 4.625%
HK$118,102
+HK$6,774/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,656/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,543
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,669
−HK$3,171/mo
Today · 4.125%
HK$122,840
baseline
▲ 0.50% · 4.625%
HK$129,315
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,680/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,737 · Scale 2, in force from 26 Feb 2026)