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$58,110
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,917
−HK$1,837/mo
Today · 4.125%
HK$61,754
baseline
▲ 0.50% · 4.625%
HK$65,511
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,508/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,646
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,380
−HK$1,759/mo
Today · 4.125%
HK$68,139
baseline
▲ 0.50% · 4.625%
HK$71,731
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,278/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,732
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,901
−HK$2,203/mo
Today · 4.125%
HK$74,104
baseline
▲ 0.50% · 4.625%
HK$78,614
+HK$4,510/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,208/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,576
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,656
−HK$2,111/mo
Today · 4.125%
HK$81,767
baseline
▲ 0.50% · 4.625%
HK$86,077
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,534/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,884
−HK$2,571/mo
Today · 4.125%
HK$86,455
baseline
▲ 0.50% · 4.625%
HK$91,716
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,910/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,505
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,932
−HK$2,463/mo
Today · 4.125%
HK$95,395
baseline
▲ 0.50% · 4.625%
HK$100,423
+HK$5,028/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,790/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,597
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,851
−HK$3,306/mo
Today · 4.125%
HK$111,157
baseline
▲ 0.50% · 4.625%
HK$117,920
+HK$6,763/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,314/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,364
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,484
−HK$3,166/mo
Today · 4.125%
HK$122,650
baseline
▲ 0.50% · 4.625%
HK$129,115
+HK$6,465/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,300/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,064 · Scale 2, in force from 26 Feb 2026)