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$58,242
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,054
−HK$1,840/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,661
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,794
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,532
−HK$1,762/mo
Today · 4.125%
HK$68,294
baseline
▲ 0.50% · 4.625%
HK$71,894
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,588/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,891
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$2,208/mo
Today · 4.125%
HK$74,273
baseline
▲ 0.50% · 4.625%
HK$78,793
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,546/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,753
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,838
−HK$2,115/mo
Today · 4.125%
HK$81,953
baseline
▲ 0.50% · 4.625%
HK$86,273
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,906/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,539
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,075
−HK$2,577/mo
Today · 4.125%
HK$86,652
baseline
▲ 0.50% · 4.625%
HK$91,925
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,304/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,711
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,144
−HK$2,468/mo
Today · 4.125%
HK$95,612
baseline
▲ 0.50% · 4.625%
HK$100,652
+HK$5,040/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,224/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,836
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,097
−HK$3,313/mo
Today · 4.125%
HK$111,410
baseline
▲ 0.50% · 4.625%
HK$118,189
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,820/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,629
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,757
−HK$3,173/mo
Today · 4.125%
HK$122,930
baseline
▲ 0.50% · 4.625%
HK$129,410
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,860/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,533 · Scale 2, in force from 26 Feb 2026)