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$58,115
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,836/mo
Today · 4.125%
HK$61,759
baseline
▲ 0.50% · 4.625%
HK$65,517
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,518/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,652
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,386
−HK$1,759/mo
Today · 4.125%
HK$68,145
baseline
▲ 0.50% · 4.625%
HK$71,737
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,290/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,738
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,907
−HK$2,204/mo
Today · 4.125%
HK$74,111
baseline
▲ 0.50% · 4.625%
HK$78,620
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,222/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,583
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,663
−HK$2,111/mo
Today · 4.125%
HK$81,774
baseline
▲ 0.50% · 4.625%
HK$86,085
+HK$4,311/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,548/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,361
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,892
−HK$2,571/mo
Today · 4.125%
HK$86,463
baseline
▲ 0.50% · 4.625%
HK$91,724
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,926/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,513
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,941
−HK$2,462/mo
Today · 4.125%
HK$95,403
baseline
▲ 0.50% · 4.625%
HK$100,432
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,806/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,607
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,861
−HK$3,306/mo
Today · 4.125%
HK$111,167
baseline
▲ 0.50% · 4.625%
HK$117,931
+HK$6,764/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,334/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,374
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,495
−HK$3,166/mo
Today · 4.125%
HK$122,661
baseline
▲ 0.50% · 4.625%
HK$129,127
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,322/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,160 · Scale 2, in force from 26 Feb 2026)