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$58,011
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,815
−HK$1,834/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$65,400
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,537
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,267
−HK$1,756/mo
Today · 4.125%
HK$68,023
baseline
▲ 0.50% · 4.625%
HK$71,609
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,046/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,613
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,779
−HK$2,199/mo
Today · 4.125%
HK$73,978
baseline
▲ 0.50% · 4.625%
HK$78,480
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,956/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,444
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,521
−HK$2,107/mo
Today · 4.125%
HK$81,628
baseline
▲ 0.50% · 4.625%
HK$85,931
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,256/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,215
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,742
−HK$2,566/mo
Today · 4.125%
HK$86,308
baseline
▲ 0.50% · 4.625%
HK$91,560
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,616/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,351
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,774
−HK$2,459/mo
Today · 4.125%
HK$95,233
baseline
▲ 0.50% · 4.625%
HK$100,252
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,466/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,420
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,668
−HK$3,300/mo
Today · 4.125%
HK$110,968
baseline
▲ 0.50% · 4.625%
HK$117,720
+HK$6,752/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,936/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,166
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,281
−HK$3,161/mo
Today · 4.125%
HK$122,442
baseline
▲ 0.50% · 4.625%
HK$128,896
+HK$6,454/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,884/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,223 · Scale 2, in force from 26 Feb 2026)