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$58,224
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,840/mo
Today · 4.125%
HK$61,875
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,750/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,774
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,511
−HK$1,762/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$71,872
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,869
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,042
−HK$2,208/mo
Today · 4.125%
HK$74,250
baseline
▲ 0.50% · 4.625%
HK$78,768
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,500/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,728
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,813
−HK$2,115/mo
Today · 4.125%
HK$81,928
baseline
▲ 0.50% · 4.625%
HK$86,246
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,856/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,513
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,049
−HK$2,576/mo
Today · 4.125%
HK$86,625
baseline
▲ 0.50% · 4.625%
HK$91,896
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,250/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,683
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,115
−HK$2,467/mo
Today · 4.125%
HK$95,582
baseline
▲ 0.50% · 4.625%
HK$100,621
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,164/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,803
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,063
−HK$3,312/mo
Today · 4.125%
HK$111,375
baseline
▲ 0.50% · 4.625%
HK$118,152
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,750/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,592
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,719
−HK$3,172/mo
Today · 4.125%
HK$122,891
baseline
▲ 0.50% · 4.625%
HK$129,369
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,782/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,192 · Scale 2, in force from 26 Feb 2026)