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$58,250
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,062
−HK$1,841/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,803
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,541
−HK$1,763/mo
Today · 4.125%
HK$68,304
baseline
▲ 0.50% · 4.625%
HK$71,904
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,608/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,900
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,075
−HK$2,209/mo
Today · 4.125%
HK$74,284
baseline
▲ 0.50% · 4.625%
HK$78,804
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,568/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,763
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,849
−HK$2,116/mo
Today · 4.125%
HK$81,965
baseline
▲ 0.50% · 4.625%
HK$86,285
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,930/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,550
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,087
−HK$2,577/mo
Today · 4.125%
HK$86,664
baseline
▲ 0.50% · 4.625%
HK$91,938
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,328/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,724
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,157
−HK$2,469/mo
Today · 4.125%
HK$95,626
baseline
▲ 0.50% · 4.625%
HK$100,666
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,252/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,851
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,112
−HK$3,314/mo
Today · 4.125%
HK$111,426
baseline
▲ 0.50% · 4.625%
HK$118,206
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,852/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,645
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,774
−HK$3,173/mo
Today · 4.125%
HK$122,947
baseline
▲ 0.50% · 4.625%
HK$129,428
+HK$6,481/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,894/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,684 · Scale 2, in force from 26 Feb 2026)