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$58,005
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,809
−HK$1,833/mo
Today · 4.125%
HK$61,642
baseline
▲ 0.50% · 4.625%
HK$65,393
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,284/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,530
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,260
−HK$1,756/mo
Today · 4.125%
HK$68,016
baseline
▲ 0.50% · 4.625%
HK$71,601
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,032/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,606
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,771
−HK$2,200/mo
Today · 4.125%
HK$73,971
baseline
▲ 0.50% · 4.625%
HK$78,471
+HK$4,500/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,942/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,436
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,512
−HK$2,107/mo
Today · 4.125%
HK$81,619
baseline
▲ 0.50% · 4.625%
HK$85,921
+HK$4,302/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,238/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,207
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,733
−HK$2,566/mo
Today · 4.125%
HK$86,299
baseline
▲ 0.50% · 4.625%
HK$91,550
+HK$5,251/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,598/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,342
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,764
−HK$2,458/mo
Today · 4.125%
HK$95,222
baseline
▲ 0.50% · 4.625%
HK$100,242
+HK$5,020/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,444/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,408
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,656
−HK$3,300/mo
Today · 4.125%
HK$110,956
baseline
▲ 0.50% · 4.625%
HK$117,707
+HK$6,751/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,912/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,153
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,269
−HK$3,160/mo
Today · 4.125%
HK$122,429
baseline
▲ 0.50% · 4.625%
HK$128,882
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,858/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,081,107 · Scale 2, in force from 26 Feb 2026)