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$58,035
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,840
−HK$1,834/mo
Today · 4.125%
HK$61,674
baseline
▲ 0.50% · 4.625%
HK$65,427
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,348/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,563
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,295
−HK$1,756/mo
Today · 4.125%
HK$68,051
baseline
▲ 0.50% · 4.625%
HK$71,638
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,102/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,642
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,808
−HK$2,201/mo
Today · 4.125%
HK$74,009
baseline
▲ 0.50% · 4.625%
HK$78,512
+HK$4,503/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,018/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,476
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,554
−HK$2,107/mo
Today · 4.125%
HK$81,661
baseline
▲ 0.50% · 4.625%
HK$85,966
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,322/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,249
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,776
−HK$2,568/mo
Today · 4.125%
HK$86,344
baseline
▲ 0.50% · 4.625%
HK$91,597
+HK$5,253/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,688/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,388
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,812
−HK$2,460/mo
Today · 4.125%
HK$95,272
baseline
▲ 0.50% · 4.625%
HK$100,294
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,544/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,463
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,712
−HK$3,301/mo
Today · 4.125%
HK$111,013
baseline
▲ 0.50% · 4.625%
HK$117,768
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,026/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,214
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,330
−HK$3,162/mo
Today · 4.125%
HK$122,492
baseline
▲ 0.50% · 4.625%
HK$128,949
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$244,984/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,667 · Scale 2, in force from 26 Feb 2026)