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$58,196
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,006
−HK$1,839/mo
Today · 4.125%
HK$61,845
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,690/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,743
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,479
−HK$1,761/mo
Today · 4.125%
HK$68,240
baseline
▲ 0.50% · 4.625%
HK$71,837
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,480/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,835
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,008
−HK$2,207/mo
Today · 4.125%
HK$74,215
baseline
▲ 0.50% · 4.625%
HK$78,730
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,430/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,691
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,775
−HK$2,113/mo
Today · 4.125%
HK$81,888
baseline
▲ 0.50% · 4.625%
HK$86,205
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,776/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,474
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,009
−HK$2,575/mo
Today · 4.125%
HK$86,584
baseline
▲ 0.50% · 4.625%
HK$91,852
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,168/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,640
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,070
−HK$2,467/mo
Today · 4.125%
HK$95,537
baseline
▲ 0.50% · 4.625%
HK$100,572
+HK$5,035/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,074/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,753
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,011
−HK$3,311/mo
Today · 4.125%
HK$111,322
baseline
▲ 0.50% · 4.625%
HK$118,095
+HK$6,773/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,644/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,537
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,662
−HK$3,171/mo
Today · 4.125%
HK$122,833
baseline
▲ 0.50% · 4.625%
HK$129,307
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,666/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,673 · Scale 2, in force from 26 Feb 2026)