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$58,061
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,867
−HK$1,835/mo
Today · 4.125%
HK$61,702
baseline
▲ 0.50% · 4.625%
HK$65,456
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,404/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,592
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,324
−HK$1,758/mo
Today · 4.125%
HK$68,082
baseline
▲ 0.50% · 4.625%
HK$71,670
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,164/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,673
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,840
−HK$2,202/mo
Today · 4.125%
HK$74,042
baseline
▲ 0.50% · 4.625%
HK$78,547
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,084/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,510
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,589
−HK$2,109/mo
Today · 4.125%
HK$81,698
baseline
▲ 0.50% · 4.625%
HK$86,004
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,396/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,285
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,813
−HK$2,569/mo
Today · 4.125%
HK$86,382
baseline
▲ 0.50% · 4.625%
HK$91,638
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,764/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,429
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,854
−HK$2,460/mo
Today · 4.125%
HK$95,314
baseline
▲ 0.50% · 4.625%
HK$100,338
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,628/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,509
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,760
−HK$3,303/mo
Today · 4.125%
HK$111,063
baseline
▲ 0.50% · 4.625%
HK$117,821
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,126/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,265
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,384
−HK$3,163/mo
Today · 4.125%
HK$122,547
baseline
▲ 0.50% · 4.625%
HK$129,007
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,094/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,150 · Scale 2, in force from 26 Feb 2026)