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$58,113
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,920
−HK$1,837/mo
Today · 4.125%
HK$61,757
baseline
▲ 0.50% · 4.625%
HK$65,515
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,514/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,650
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,384
−HK$1,759/mo
Today · 4.125%
HK$68,143
baseline
▲ 0.50% · 4.625%
HK$71,735
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,286/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,735
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,904
−HK$2,204/mo
Today · 4.125%
HK$74,108
baseline
▲ 0.50% · 4.625%
HK$78,618
+HK$4,510/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,216/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,580
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,111/mo
Today · 4.125%
HK$81,771
baseline
▲ 0.50% · 4.625%
HK$86,081
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,542/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,358
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,888
−HK$2,572/mo
Today · 4.125%
HK$86,460
baseline
▲ 0.50% · 4.625%
HK$91,720
+HK$5,260/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,920/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,510
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,937
−HK$2,463/mo
Today · 4.125%
HK$95,400
baseline
▲ 0.50% · 4.625%
HK$100,428
+HK$5,028/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,800/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,603
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,857
−HK$3,305/mo
Today · 4.125%
HK$111,162
baseline
▲ 0.50% · 4.625%
HK$117,926
+HK$6,764/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,324/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,370
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,491
−HK$3,166/mo
Today · 4.125%
HK$122,657
baseline
▲ 0.50% · 4.625%
HK$129,122
+HK$6,465/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,314/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,120 · Scale 2, in force from 26 Feb 2026)