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$58,245
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,056
−HK$1,841/mo
Today · 4.125%
HK$61,897
baseline
▲ 0.50% · 4.625%
HK$65,663
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,794/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,797
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$1,763/mo
Today · 4.125%
HK$68,297
baseline
▲ 0.50% · 4.625%
HK$71,897
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,594/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,894
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,068
−HK$2,209/mo
Today · 4.125%
HK$74,277
baseline
▲ 0.50% · 4.625%
HK$78,796
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,554/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,756
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,841
−HK$2,116/mo
Today · 4.125%
HK$81,957
baseline
▲ 0.50% · 4.625%
HK$86,277
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,914/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,543
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,079
−HK$2,577/mo
Today · 4.125%
HK$86,656
baseline
▲ 0.50% · 4.625%
HK$91,929
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,312/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,715
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,148
−HK$2,468/mo
Today · 4.125%
HK$95,616
baseline
▲ 0.50% · 4.625%
HK$100,656
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,232/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,840
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,102
−HK$3,313/mo
Today · 4.125%
HK$111,415
baseline
▲ 0.50% · 4.625%
HK$118,194
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,830/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,634
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,762
−HK$3,173/mo
Today · 4.125%
HK$122,935
baseline
▲ 0.50% · 4.625%
HK$129,415
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,870/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,579 · Scale 2, in force from 26 Feb 2026)