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$58,100
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,907
−HK$1,836/mo
Today · 4.125%
HK$61,743
baseline
▲ 0.50% · 4.625%
HK$65,500
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,486/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,635
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,369
−HK$1,758/mo
Today · 4.125%
HK$68,127
baseline
▲ 0.50% · 4.625%
HK$71,718
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,254/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,720
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,888
−HK$2,204/mo
Today · 4.125%
HK$74,092
baseline
▲ 0.50% · 4.625%
HK$78,600
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,184/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,562
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,643
−HK$2,110/mo
Today · 4.125%
HK$81,753
baseline
▲ 0.50% · 4.625%
HK$86,062
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,506/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,340
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,870
−HK$2,570/mo
Today · 4.125%
HK$86,440
baseline
▲ 0.50% · 4.625%
HK$91,700
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,880/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,490
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,916
−HK$2,462/mo
Today · 4.125%
HK$95,378
baseline
▲ 0.50% · 4.625%
HK$100,406
+HK$5,028/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,756/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,580
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,833
−HK$3,305/mo
Today · 4.125%
HK$111,138
baseline
▲ 0.50% · 4.625%
HK$117,900
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,276/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,344
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,464
−HK$3,165/mo
Today · 4.125%
HK$122,629
baseline
▲ 0.50% · 4.625%
HK$129,093
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,258/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,878 · Scale 2, in force from 26 Feb 2026)