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$58,258
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,070
−HK$1,841/mo
Today · 4.125%
HK$61,911
baseline
▲ 0.50% · 4.625%
HK$65,678
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,822/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,549
−HK$1,764/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$71,913
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,626/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,909
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,084
−HK$2,209/mo
Today · 4.125%
HK$74,293
baseline
▲ 0.50% · 4.625%
HK$78,814
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,586/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,773
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,859
−HK$2,116/mo
Today · 4.125%
HK$81,975
baseline
▲ 0.50% · 4.625%
HK$86,296
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,950/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,561
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,098
−HK$2,577/mo
Today · 4.125%
HK$86,675
baseline
▲ 0.50% · 4.625%
HK$91,949
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,350/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,735
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,169
−HK$2,469/mo
Today · 4.125%
HK$95,638
baseline
▲ 0.50% · 4.625%
HK$100,679
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,276/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,864
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,125
−HK$3,315/mo
Today · 4.125%
HK$111,440
baseline
▲ 0.50% · 4.625%
HK$118,220
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,880/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,660
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,789
−HK$3,174/mo
Today · 4.125%
HK$122,963
baseline
▲ 0.50% · 4.625%
HK$129,444
+HK$6,481/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,926/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,820 · Scale 2, in force from 26 Feb 2026)