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$58,071
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,877
−HK$1,835/mo
Today · 4.125%
HK$61,712
baseline
▲ 0.50% · 4.625%
HK$65,467
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,424/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,603
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,336
−HK$1,757/mo
Today · 4.125%
HK$68,093
baseline
▲ 0.50% · 4.625%
HK$71,683
+HK$3,590/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,186/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,685
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,852
−HK$2,203/mo
Today · 4.125%
HK$74,055
baseline
▲ 0.50% · 4.625%
HK$78,561
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,110/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,524
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,603
−HK$2,109/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,019
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,299
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,828
−HK$2,569/mo
Today · 4.125%
HK$86,397
baseline
▲ 0.50% · 4.625%
HK$91,654
+HK$5,257/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,794/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,444
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,870
−HK$2,461/mo
Today · 4.125%
HK$95,331
baseline
▲ 0.50% · 4.625%
HK$100,356
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,662/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,527
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,779
−HK$3,303/mo
Today · 4.125%
HK$111,082
baseline
▲ 0.50% · 4.625%
HK$117,841
+HK$6,759/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,164/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,285
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,404
−HK$3,164/mo
Today · 4.125%
HK$122,568
baseline
▲ 0.50% · 4.625%
HK$129,029
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,136/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,336 · Scale 2, in force from 26 Feb 2026)