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$58,251
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,063
−HK$1,841/mo
Today · 4.125%
HK$61,904
baseline
▲ 0.50% · 4.625%
HK$65,671
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,808/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,804
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,542
−HK$1,763/mo
Today · 4.125%
HK$68,305
baseline
▲ 0.50% · 4.625%
HK$71,906
+HK$3,601/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,610/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,902
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,076
−HK$2,209/mo
Today · 4.125%
HK$74,285
baseline
▲ 0.50% · 4.625%
HK$78,805
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,570/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,765
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,851
−HK$2,115/mo
Today · 4.125%
HK$81,966
baseline
▲ 0.50% · 4.625%
HK$86,287
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,932/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,552
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,089
−HK$2,577/mo
Today · 4.125%
HK$86,666
baseline
▲ 0.50% · 4.625%
HK$91,939
+HK$5,273/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,332/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,726
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,159
−HK$2,468/mo
Today · 4.125%
HK$95,627
baseline
▲ 0.50% · 4.625%
HK$100,668
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,254/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,853
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,114
−HK$3,314/mo
Today · 4.125%
HK$111,428
baseline
▲ 0.50% · 4.625%
HK$118,208
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,856/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,647
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,776
−HK$3,174/mo
Today · 4.125%
HK$122,950
baseline
▲ 0.50% · 4.625%
HK$129,430
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,900/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,706 · Scale 2, in force from 26 Feb 2026)