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$58,079
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,886
−HK$1,835/mo
Today · 4.125%
HK$61,721
baseline
▲ 0.50% · 4.625%
HK$65,477
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,442/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,346
−HK$1,758/mo
Today · 4.125%
HK$68,104
baseline
▲ 0.50% · 4.625%
HK$71,693
+HK$3,589/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,208/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,695
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,863
−HK$2,203/mo
Today · 4.125%
HK$74,066
baseline
▲ 0.50% · 4.625%
HK$78,573
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,132/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,535
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,615
−HK$2,109/mo
Today · 4.125%
HK$81,724
baseline
▲ 0.50% · 4.625%
HK$86,032
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,448/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,311
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,840
−HK$2,570/mo
Today · 4.125%
HK$86,410
baseline
▲ 0.50% · 4.625%
HK$91,668
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,820/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,458
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,884
−HK$2,461/mo
Today · 4.125%
HK$95,345
baseline
▲ 0.50% · 4.625%
HK$100,371
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,690/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,543
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,795
−HK$3,304/mo
Today · 4.125%
HK$111,099
baseline
▲ 0.50% · 4.625%
HK$117,859
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,198/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,303
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,422
−HK$3,164/mo
Today · 4.125%
HK$122,586
baseline
▲ 0.50% · 4.625%
HK$129,048
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,172/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,499 · Scale 2, in force from 26 Feb 2026)