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$58,210
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,021
−HK$1,839/mo
Today · 4.125%
HK$61,860
baseline
▲ 0.50% · 4.625%
HK$65,625
+HK$3,765/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,720/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,758
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,495
−HK$1,762/mo
Today · 4.125%
HK$68,257
baseline
▲ 0.50% · 4.625%
HK$71,855
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,514/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,852
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$2,208/mo
Today · 4.125%
HK$74,233
baseline
▲ 0.50% · 4.625%
HK$78,749
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,466/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,710
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,114/mo
Today · 4.125%
HK$81,908
baseline
▲ 0.50% · 4.625%
HK$86,226
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,816/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,494
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,029
−HK$2,576/mo
Today · 4.125%
HK$86,605
baseline
▲ 0.50% · 4.625%
HK$91,874
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,210/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,662
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,093
−HK$2,467/mo
Today · 4.125%
HK$95,560
baseline
▲ 0.50% · 4.625%
HK$100,597
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,120/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,778
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,038
−HK$3,311/mo
Today · 4.125%
HK$111,349
baseline
▲ 0.50% · 4.625%
HK$118,124
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,698/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,565
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,691
−HK$3,171/mo
Today · 4.125%
HK$122,862
baseline
▲ 0.50% · 4.625%
HK$129,339
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,724/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,937 · Scale 2, in force from 26 Feb 2026)