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$58,188
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,998
−HK$1,839/mo
Today · 4.125%
HK$61,837
baseline
▲ 0.50% · 4.625%
HK$65,600
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,674/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,734
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,470
−HK$1,761/mo
Today · 4.125%
HK$68,231
baseline
▲ 0.50% · 4.625%
HK$71,828
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,462/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,826
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,998
−HK$2,206/mo
Today · 4.125%
HK$74,204
baseline
▲ 0.50% · 4.625%
HK$78,720
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,408/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,681
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,764
−HK$2,113/mo
Today · 4.125%
HK$81,877
baseline
▲ 0.50% · 4.625%
HK$86,193
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,754/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,463
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$83,997
−HK$2,575/mo
Today · 4.125%
HK$86,572
baseline
▲ 0.50% · 4.625%
HK$91,840
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,144/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,627
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,058
−HK$2,466/mo
Today · 4.125%
HK$95,524
baseline
▲ 0.50% · 4.625%
HK$100,559
+HK$5,035/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,048/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,739
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,997
−HK$3,310/mo
Today · 4.125%
HK$111,307
baseline
▲ 0.50% · 4.625%
HK$118,079
+HK$6,772/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,614/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,521
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,646
−HK$3,170/mo
Today · 4.125%
HK$122,816
baseline
▲ 0.50% · 4.625%
HK$129,290
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,632/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,526 · Scale 2, in force from 26 Feb 2026)