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$58,056
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,862
−HK$1,835/mo
Today · 4.125%
HK$61,697
baseline
▲ 0.50% · 4.625%
HK$65,451
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,394/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,587
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,319
−HK$1,758/mo
Today · 4.125%
HK$68,077
baseline
▲ 0.50% · 4.625%
HK$71,665
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,154/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,668
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,835
−HK$2,201/mo
Today · 4.125%
HK$74,036
baseline
▲ 0.50% · 4.625%
HK$78,541
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,072/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,505
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,583
−HK$2,109/mo
Today · 4.125%
HK$81,692
baseline
▲ 0.50% · 4.625%
HK$85,998
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,384/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,279
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,807
−HK$2,569/mo
Today · 4.125%
HK$86,376
baseline
▲ 0.50% · 4.625%
HK$91,632
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,752/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,422
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,847
−HK$2,460/mo
Today · 4.125%
HK$95,307
baseline
▲ 0.50% · 4.625%
HK$100,331
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,614/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,501
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,752
−HK$3,303/mo
Today · 4.125%
HK$111,055
baseline
▲ 0.50% · 4.625%
HK$117,812
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,110/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,257
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,375
−HK$3,163/mo
Today · 4.125%
HK$122,538
baseline
▲ 0.50% · 4.625%
HK$128,997
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,076/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,070 · Scale 2, in force from 26 Feb 2026)