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$58,091
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,898
−HK$1,835/mo
Today · 4.125%
HK$61,733
baseline
▲ 0.50% · 4.625%
HK$65,490
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,466/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,625
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,358
−HK$1,759/mo
Today · 4.125%
HK$68,117
baseline
▲ 0.50% · 4.625%
HK$71,707
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,234/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,709
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$2,203/mo
Today · 4.125%
HK$74,080
baseline
▲ 0.50% · 4.625%
HK$78,588
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,160/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,550
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,630
−HK$2,110/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,327
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,857
−HK$2,570/mo
Today · 4.125%
HK$86,427
baseline
▲ 0.50% · 4.625%
HK$91,686
+HK$5,259/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,854/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,475
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,902
−HK$2,461/mo
Today · 4.125%
HK$95,363
baseline
▲ 0.50% · 4.625%
HK$100,390
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,726/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,563
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,816
−HK$3,304/mo
Today · 4.125%
HK$111,120
baseline
▲ 0.50% · 4.625%
HK$117,882
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,240/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,325
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,445
−HK$3,165/mo
Today · 4.125%
HK$122,610
baseline
▲ 0.50% · 4.625%
HK$129,073
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,220/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,709 · Scale 2, in force from 26 Feb 2026)