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$58,019
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,823
−HK$1,834/mo
Today · 4.125%
HK$61,657
baseline
▲ 0.50% · 4.625%
HK$65,409
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,314/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,545
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,276
−HK$1,756/mo
Today · 4.125%
HK$68,032
baseline
▲ 0.50% · 4.625%
HK$71,618
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,064/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,622
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,788
−HK$2,200/mo
Today · 4.125%
HK$73,988
baseline
▲ 0.50% · 4.625%
HK$78,490
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,976/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,454
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,532
−HK$2,107/mo
Today · 4.125%
HK$81,639
baseline
▲ 0.50% · 4.625%
HK$85,942
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,278/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,226
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,753
−HK$2,567/mo
Today · 4.125%
HK$86,320
baseline
▲ 0.50% · 4.625%
HK$91,572
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,640/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,363
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,787
−HK$2,458/mo
Today · 4.125%
HK$95,245
baseline
▲ 0.50% · 4.625%
HK$100,266
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,490/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,434
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,682
−HK$3,301/mo
Today · 4.125%
HK$110,983
baseline
▲ 0.50% · 4.625%
HK$117,736
+HK$6,753/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,966/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,181
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,297
−HK$3,161/mo
Today · 4.125%
HK$122,458
baseline
▲ 0.50% · 4.625%
HK$128,913
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,916/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,368 · Scale 2, in force from 26 Feb 2026)