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$58,206
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,016
−HK$1,840/mo
Today · 4.125%
HK$61,856
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,712/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,753
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,490
−HK$1,762/mo
Today · 4.125%
HK$68,252
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,504/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,847
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,019
−HK$2,208/mo
Today · 4.125%
HK$74,227
baseline
▲ 0.50% · 4.625%
HK$78,743
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,454/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,704
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,788
−HK$2,114/mo
Today · 4.125%
HK$81,902
baseline
▲ 0.50% · 4.625%
HK$86,219
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,804/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,488
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,023
−HK$2,575/mo
Today · 4.125%
HK$86,598
baseline
▲ 0.50% · 4.625%
HK$91,867
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,196/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,655
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,086
−HK$2,466/mo
Today · 4.125%
HK$95,552
baseline
▲ 0.50% · 4.625%
HK$100,589
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,104/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,770
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,029
−HK$3,311/mo
Today · 4.125%
HK$111,340
baseline
▲ 0.50% · 4.625%
HK$118,115
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,680/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,556
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,682
−HK$3,171/mo
Today · 4.125%
HK$122,853
baseline
▲ 0.50% · 4.625%
HK$129,329
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,706/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,853 · Scale 2, in force from 26 Feb 2026)