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$58,189
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,999
−HK$1,839/mo
Today · 4.125%
HK$61,838
baseline
▲ 0.50% · 4.625%
HK$65,601
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,676/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,735
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,471
−HK$1,761/mo
Today · 4.125%
HK$68,232
baseline
▲ 0.50% · 4.625%
HK$71,829
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,464/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,827
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,999
−HK$2,207/mo
Today · 4.125%
HK$74,206
baseline
▲ 0.50% · 4.625%
HK$78,721
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,412/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,682
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,765
−HK$2,114/mo
Today · 4.125%
HK$81,879
baseline
▲ 0.50% · 4.625%
HK$86,194
+HK$4,315/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,758/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,465
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,999
−HK$2,574/mo
Today · 4.125%
HK$86,573
baseline
▲ 0.50% · 4.625%
HK$91,841
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,146/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,629
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,059
−HK$2,466/mo
Today · 4.125%
HK$95,525
baseline
▲ 0.50% · 4.625%
HK$100,560
+HK$5,035/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,050/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,740
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,998
−HK$3,310/mo
Today · 4.125%
HK$111,308
baseline
▲ 0.50% · 4.625%
HK$118,081
+HK$6,773/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,616/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,522
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,648
−HK$3,170/mo
Today · 4.125%
HK$122,818
baseline
▲ 0.50% · 4.625%
HK$129,292
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,636/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,542 · Scale 2, in force from 26 Feb 2026)