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$58,130
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,939
−HK$1,837/mo
Today · 4.125%
HK$61,776
baseline
▲ 0.50% · 4.625%
HK$65,535
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,552/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,669
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,404
−HK$1,759/mo
Today · 4.125%
HK$68,163
baseline
▲ 0.50% · 4.625%
HK$71,756
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,326/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,756
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,926
−HK$2,205/mo
Today · 4.125%
HK$74,131
baseline
▲ 0.50% · 4.625%
HK$78,641
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,262/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,603
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,685
−HK$2,111/mo
Today · 4.125%
HK$81,796
baseline
▲ 0.50% · 4.625%
HK$86,108
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,592/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,382
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,914
−HK$2,572/mo
Today · 4.125%
HK$86,486
baseline
▲ 0.50% · 4.625%
HK$91,748
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,972/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,537
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,965
−HK$2,464/mo
Today · 4.125%
HK$95,429
baseline
▲ 0.50% · 4.625%
HK$100,459
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,858/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,635
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,889
−HK$3,307/mo
Today · 4.125%
HK$111,196
baseline
▲ 0.50% · 4.625%
HK$117,962
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,392/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,405
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,527
−HK$3,167/mo
Today · 4.125%
HK$122,694
baseline
▲ 0.50% · 4.625%
HK$129,161
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,388/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,448 · Scale 2, in force from 26 Feb 2026)