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$58,065
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,871
−HK$1,835/mo
Today · 4.125%
HK$61,706
baseline
▲ 0.50% · 4.625%
HK$65,461
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,412/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,596
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,329
−HK$1,757/mo
Today · 4.125%
HK$68,086
baseline
▲ 0.50% · 4.625%
HK$71,675
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,172/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,678
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,845
−HK$2,202/mo
Today · 4.125%
HK$74,047
baseline
▲ 0.50% · 4.625%
HK$78,553
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,094/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,516
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,595
−HK$2,109/mo
Today · 4.125%
HK$81,704
baseline
▲ 0.50% · 4.625%
HK$86,010
+HK$4,306/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,408/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,291
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,819
−HK$2,569/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$91,645
+HK$5,257/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,435
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,861
−HK$2,460/mo
Today · 4.125%
HK$95,321
baseline
▲ 0.50% · 4.625%
HK$100,346
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,642/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,517
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,768
−HK$3,303/mo
Today · 4.125%
HK$111,071
baseline
▲ 0.50% · 4.625%
HK$117,829
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,142/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,274
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,392
−HK$3,164/mo
Today · 4.125%
HK$122,556
baseline
▲ 0.50% · 4.625%
HK$129,016
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,112/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,227 · Scale 2, in force from 26 Feb 2026)