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$58,102
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,909
−HK$1,836/mo
Today · 4.125%
HK$61,745
baseline
▲ 0.50% · 4.625%
HK$65,502
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,490/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,637
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$1,759/mo
Today · 4.125%
HK$68,130
baseline
▲ 0.50% · 4.625%
HK$71,721
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,260/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,722
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,891
−HK$2,203/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$78,603
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,565
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,645
−HK$2,111/mo
Today · 4.125%
HK$81,756
baseline
▲ 0.50% · 4.625%
HK$86,065
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,512/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,342
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,872
−HK$2,571/mo
Today · 4.125%
HK$86,443
baseline
▲ 0.50% · 4.625%
HK$91,703
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,886/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,492
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,919
−HK$2,462/mo
Today · 4.125%
HK$95,381
baseline
▲ 0.50% · 4.625%
HK$100,409
+HK$5,028/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,762/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,583
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,836
−HK$3,305/mo
Today · 4.125%
HK$111,141
baseline
▲ 0.50% · 4.625%
HK$117,904
+HK$6,763/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,282/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,347
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,468
−HK$3,165/mo
Today · 4.125%
HK$122,633
baseline
▲ 0.50% · 4.625%
HK$129,097
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,266/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,913 · Scale 2, in force from 26 Feb 2026)