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$58,064
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,871
−HK$1,835/mo
Today · 4.125%
HK$61,706
baseline
▲ 0.50% · 4.625%
HK$65,460
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,412/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,596
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,329
−HK$1,757/mo
Today · 4.125%
HK$68,086
baseline
▲ 0.50% · 4.625%
HK$71,675
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,172/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,677
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,845
−HK$2,202/mo
Today · 4.125%
HK$74,047
baseline
▲ 0.50% · 4.625%
HK$78,552
+HK$4,505/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,094/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,515
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,594
−HK$2,109/mo
Today · 4.125%
HK$81,703
baseline
▲ 0.50% · 4.625%
HK$86,010
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,406/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,290
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,819
−HK$2,569/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$91,644
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,435
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,860
−HK$2,460/mo
Today · 4.125%
HK$95,320
baseline
▲ 0.50% · 4.625%
HK$100,345
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,640/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,516
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,767
−HK$3,303/mo
Today · 4.125%
HK$111,070
baseline
▲ 0.50% · 4.625%
HK$117,828
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,140/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,273
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,391
−HK$3,164/mo
Today · 4.125%
HK$122,555
baseline
▲ 0.50% · 4.625%
HK$129,015
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,110/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,220 · Scale 2, in force from 26 Feb 2026)