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$58,257
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,069
−HK$1,841/mo
Today · 4.125%
HK$61,910
baseline
▲ 0.50% · 4.625%
HK$65,677
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,820/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,810
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,548
−HK$1,764/mo
Today · 4.125%
HK$68,312
baseline
▲ 0.50% · 4.625%
HK$71,913
+HK$3,601/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,624/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,908
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,083
−HK$2,209/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,772
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,858
−HK$2,116/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,295
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,560
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,097
−HK$2,577/mo
Today · 4.125%
HK$86,674
baseline
▲ 0.50% · 4.625%
HK$91,948
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,348/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,734
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,168
−HK$2,468/mo
Today · 4.125%
HK$95,636
baseline
▲ 0.50% · 4.625%
HK$100,678
+HK$5,042/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,272/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,862
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,124
−HK$3,314/mo
Today · 4.125%
HK$111,438
baseline
▲ 0.50% · 4.625%
HK$118,219
+HK$6,781/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,876/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,658
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,787
−HK$3,174/mo
Today · 4.125%
HK$122,961
baseline
▲ 0.50% · 4.625%
HK$129,443
+HK$6,482/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,922/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,808 · Scale 2, in force from 26 Feb 2026)