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$58,253
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,841/mo
Today · 4.125%
HK$61,906
baseline
▲ 0.50% · 4.625%
HK$65,673
+HK$3,767/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,812/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,806
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,544
−HK$1,763/mo
Today · 4.125%
HK$68,307
baseline
▲ 0.50% · 4.625%
HK$71,908
+HK$3,601/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,614/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,904
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,078
−HK$2,209/mo
Today · 4.125%
HK$74,287
baseline
▲ 0.50% · 4.625%
HK$78,807
+HK$4,520/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,574/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,767
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,853
−HK$2,116/mo
Today · 4.125%
HK$81,969
baseline
▲ 0.50% · 4.625%
HK$86,289
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,938/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,554
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,577/mo
Today · 4.125%
HK$86,668
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$5,274/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,336/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,728
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,161
−HK$2,469/mo
Today · 4.125%
HK$95,630
baseline
▲ 0.50% · 4.625%
HK$100,671
+HK$5,041/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,260/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,855
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,117
−HK$3,314/mo
Today · 4.125%
HK$111,431
baseline
▲ 0.50% · 4.625%
HK$118,211
+HK$6,780/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,862/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,650
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,779
−HK$3,174/mo
Today · 4.125%
HK$122,953
baseline
▲ 0.50% · 4.625%
HK$129,434
+HK$6,481/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,906/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,734 · Scale 2, in force from 26 Feb 2026)