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$58,060
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,866
−HK$1,834/mo
Today · 4.125%
HK$61,700
baseline
▲ 0.50% · 4.625%
HK$65,455
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,400/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,591
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,323
−HK$1,757/mo
Today · 4.125%
HK$68,080
baseline
▲ 0.50% · 4.625%
HK$71,669
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,160/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,672
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,839
−HK$2,202/mo
Today · 4.125%
HK$74,041
baseline
▲ 0.50% · 4.625%
HK$78,546
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,082/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,509
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,588
−HK$2,108/mo
Today · 4.125%
HK$81,696
baseline
▲ 0.50% · 4.625%
HK$86,003
+HK$4,307/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,392/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,283
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,812
−HK$2,569/mo
Today · 4.125%
HK$86,381
baseline
▲ 0.50% · 4.625%
HK$91,637
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,762/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,427
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,852
−HK$2,460/mo
Today · 4.125%
HK$95,312
baseline
▲ 0.50% · 4.625%
HK$100,337
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,624/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,507
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,758
−HK$3,303/mo
Today · 4.125%
HK$111,061
baseline
▲ 0.50% · 4.625%
HK$117,819
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,122/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,263
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,381
−HK$3,164/mo
Today · 4.125%
HK$122,545
baseline
▲ 0.50% · 4.625%
HK$129,004
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,090/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,130 · Scale 2, in force from 26 Feb 2026)