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$58,027
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,832
−HK$1,834/mo
Today · 4.125%
HK$61,666
baseline
▲ 0.50% · 4.625%
HK$65,418
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,332/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,555
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,286
−HK$1,756/mo
Today · 4.125%
HK$68,042
baseline
▲ 0.50% · 4.625%
HK$71,629
+HK$3,587/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,084/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,633
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,799
−HK$2,200/mo
Today · 4.125%
HK$73,999
baseline
▲ 0.50% · 4.625%
HK$78,502
+HK$4,503/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,998/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,466
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,543
−HK$2,108/mo
Today · 4.125%
HK$81,651
baseline
▲ 0.50% · 4.625%
HK$85,955
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,302/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,238
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,765
−HK$2,567/mo
Today · 4.125%
HK$86,332
baseline
▲ 0.50% · 4.625%
HK$91,586
+HK$5,254/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,664/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,377
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,800
−HK$2,459/mo
Today · 4.125%
HK$95,259
baseline
▲ 0.50% · 4.625%
HK$100,281
+HK$5,022/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,518/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,449
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,698
−HK$3,301/mo
Today · 4.125%
HK$110,999
baseline
▲ 0.50% · 4.625%
HK$117,753
+HK$6,754/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,998/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,198
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,315
−HK$3,161/mo
Today · 4.125%
HK$122,476
baseline
▲ 0.50% · 4.625%
HK$128,932
+HK$6,456/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,952/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,527 · Scale 2, in force from 26 Feb 2026)