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$58,096
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,836/mo
Today · 4.125%
HK$61,739
baseline
▲ 0.50% · 4.625%
HK$65,496
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,478/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,631
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,365
−HK$1,758/mo
Today · 4.125%
HK$68,123
baseline
▲ 0.50% · 4.625%
HK$71,714
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,246/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,715
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,884
−HK$2,203/mo
Today · 4.125%
HK$74,087
baseline
▲ 0.50% · 4.625%
HK$78,595
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,174/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,558
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,638
−HK$2,110/mo
Today · 4.125%
HK$81,748
baseline
▲ 0.50% · 4.625%
HK$86,057
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,496/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,335
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,865
−HK$2,570/mo
Today · 4.125%
HK$86,435
baseline
▲ 0.50% · 4.625%
HK$91,695
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,870/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,484
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,911
−HK$2,462/mo
Today · 4.125%
HK$95,373
baseline
▲ 0.50% · 4.625%
HK$100,400
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,746/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,573
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,826
−HK$3,305/mo
Today · 4.125%
HK$111,131
baseline
▲ 0.50% · 4.625%
HK$117,893
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,262/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,337
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,457
−HK$3,165/mo
Today · 4.125%
HK$122,622
baseline
▲ 0.50% · 4.625%
HK$129,086
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,244/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,813 · Scale 2, in force from 26 Feb 2026)