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$58,034
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,839
−HK$1,834/mo
Today · 4.125%
HK$61,673
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,752/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,346/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,562
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$1,757/mo
Today · 4.125%
HK$68,050
baseline
▲ 0.50% · 4.625%
HK$71,637
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,100/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,640
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,806
−HK$2,201/mo
Today · 4.125%
HK$74,007
baseline
▲ 0.50% · 4.625%
HK$78,511
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,014/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,474
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,552
−HK$2,108/mo
Today · 4.125%
HK$81,660
baseline
▲ 0.50% · 4.625%
HK$85,964
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,320/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,247
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,774
−HK$2,568/mo
Today · 4.125%
HK$86,342
baseline
▲ 0.50% · 4.625%
HK$91,596
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,684/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,386
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,811
−HK$2,459/mo
Today · 4.125%
HK$95,270
baseline
▲ 0.50% · 4.625%
HK$100,292
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,540/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,460
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,710
−HK$3,301/mo
Today · 4.125%
HK$111,011
baseline
▲ 0.50% · 4.625%
HK$117,766
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,022/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,211
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,328
−HK$3,162/mo
Today · 4.125%
HK$122,490
baseline
▲ 0.50% · 4.625%
HK$128,946
+HK$6,456/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$244,980/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,645 · Scale 2, in force from 26 Feb 2026)