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$58,018
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,822
−HK$1,834/mo
Today · 4.125%
HK$61,656
baseline
▲ 0.50% · 4.625%
HK$65,407
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,312/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,544
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,275
−HK$1,756/mo
Today · 4.125%
HK$68,031
baseline
▲ 0.50% · 4.625%
HK$71,617
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,062/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,621
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,787
−HK$2,200/mo
Today · 4.125%
HK$73,987
baseline
▲ 0.50% · 4.625%
HK$78,489
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,974/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,453
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,530
−HK$2,107/mo
Today · 4.125%
HK$81,637
baseline
▲ 0.50% · 4.625%
HK$85,940
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,274/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,225
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,751
−HK$2,567/mo
Today · 4.125%
HK$86,318
baseline
▲ 0.50% · 4.625%
HK$91,570
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,636/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,361
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,785
−HK$2,458/mo
Today · 4.125%
HK$95,243
baseline
▲ 0.50% · 4.625%
HK$100,264
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,486/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,432
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,680
−HK$3,300/mo
Today · 4.125%
HK$110,980
baseline
▲ 0.50% · 4.625%
HK$117,733
+HK$6,753/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,960/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,179
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,295
−HK$3,161/mo
Today · 4.125%
HK$122,456
baseline
▲ 0.50% · 4.625%
HK$128,911
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,912/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,346 · Scale 2, in force from 26 Feb 2026)