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$58,098
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,905
−HK$1,836/mo
Today · 4.125%
HK$61,741
baseline
▲ 0.50% · 4.625%
HK$65,498
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,482/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,634
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,367
−HK$1,759/mo
Today · 4.125%
HK$68,126
baseline
▲ 0.50% · 4.625%
HK$71,717
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,252/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,718
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,886
−HK$2,204/mo
Today · 4.125%
HK$74,090
baseline
▲ 0.50% · 4.625%
HK$78,598
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,180/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,560
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,641
−HK$2,110/mo
Today · 4.125%
HK$81,751
baseline
▲ 0.50% · 4.625%
HK$86,060
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,502/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,338
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,868
−HK$2,570/mo
Today · 4.125%
HK$86,438
baseline
▲ 0.50% · 4.625%
HK$91,698
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,876/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,487
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,914
−HK$2,462/mo
Today · 4.125%
HK$95,376
baseline
▲ 0.50% · 4.625%
HK$100,403
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,752/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,577
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,830
−HK$3,305/mo
Today · 4.125%
HK$111,135
baseline
▲ 0.50% · 4.625%
HK$117,897
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,270/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,341
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,461
−HK$3,165/mo
Today · 4.125%
HK$122,626
baseline
▲ 0.50% · 4.625%
HK$129,090
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,252/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,850 · Scale 2, in force from 26 Feb 2026)