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$58,100
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,836/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,636
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,370
−HK$1,758/mo
Today · 4.125%
HK$68,128
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,256/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,721
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,889
−HK$2,204/mo
Today · 4.125%
HK$74,093
baseline
▲ 0.50% · 4.625%
HK$78,601
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,186/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,563
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,644
−HK$2,110/mo
Today · 4.125%
HK$81,754
baseline
▲ 0.50% · 4.625%
HK$86,063
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,508/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,341
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,871
−HK$2,570/mo
Today · 4.125%
HK$86,441
baseline
▲ 0.50% · 4.625%
HK$91,701
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,882/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,491
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,918
−HK$2,462/mo
Today · 4.125%
HK$95,380
baseline
▲ 0.50% · 4.625%
HK$100,407
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,760/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,581
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,834
−HK$3,305/mo
Today · 4.125%
HK$111,139
baseline
▲ 0.50% · 4.625%
HK$117,901
+HK$6,762/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,278/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,345
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,465
−HK$3,166/mo
Today · 4.125%
HK$122,631
baseline
▲ 0.50% · 4.625%
HK$129,095
+HK$6,464/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,262/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,892 · Scale 2, in force from 26 Feb 2026)