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$58,242
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,053
−HK$1,841/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,660
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,793
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,531
−HK$1,763/mo
Today · 4.125%
HK$68,294
baseline
▲ 0.50% · 4.625%
HK$71,894
+HK$3,600/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,588/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,890
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,064
−HK$2,209/mo
Today · 4.125%
HK$74,273
baseline
▲ 0.50% · 4.625%
HK$78,792
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,546/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,752
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,837
−HK$2,116/mo
Today · 4.125%
HK$81,953
baseline
▲ 0.50% · 4.625%
HK$86,273
+HK$4,320/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,906/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,539
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,075
−HK$2,577/mo
Today · 4.125%
HK$86,652
baseline
▲ 0.50% · 4.625%
HK$91,924
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,304/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,711
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,144
−HK$2,468/mo
Today · 4.125%
HK$95,612
baseline
▲ 0.50% · 4.625%
HK$100,651
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,224/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,835
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,096
−HK$3,313/mo
Today · 4.125%
HK$111,409
baseline
▲ 0.50% · 4.625%
HK$118,188
+HK$6,779/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$222,818/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,628
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,756
−HK$3,173/mo
Today · 4.125%
HK$122,929
baseline
▲ 0.50% · 4.625%
HK$129,409
+HK$6,480/mo
Deposit HK$2.55M · loan HK$22.99M · min. income ≈ HK$245,858/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,526 · Scale 2, in force from 26 Feb 2026)