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$58,193
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,004
−HK$1,839/mo
Today · 4.125%
HK$61,843
baseline
▲ 0.50% · 4.625%
HK$65,606
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,686/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,740
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,476
−HK$1,761/mo
Today · 4.125%
HK$68,237
baseline
▲ 0.50% · 4.625%
HK$71,834
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,474/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,832
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,004
−HK$2,207/mo
Today · 4.125%
HK$74,211
baseline
▲ 0.50% · 4.625%
HK$78,727
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,422/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,688
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,771
−HK$2,114/mo
Today · 4.125%
HK$81,885
baseline
▲ 0.50% · 4.625%
HK$86,201
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,770/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,471
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,005
−HK$2,575/mo
Today · 4.125%
HK$86,580
baseline
▲ 0.50% · 4.625%
HK$91,848
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,160/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,636
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,066
−HK$2,466/mo
Today · 4.125%
HK$95,532
baseline
▲ 0.50% · 4.625%
HK$100,568
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,064/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,748
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,007
−HK$3,310/mo
Today · 4.125%
HK$111,317
baseline
▲ 0.50% · 4.625%
HK$118,090
+HK$6,773/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,634/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,531
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,657
−HK$3,170/mo
Today · 4.125%
HK$122,827
baseline
▲ 0.50% · 4.625%
HK$129,302
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,654/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,625 · Scale 2, in force from 26 Feb 2026)