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$58,088
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,895
−HK$1,835/mo
Today · 4.125%
HK$61,730
baseline
▲ 0.50% · 4.625%
HK$65,486
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,460/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,622
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,355
−HK$1,758/mo
Today · 4.125%
HK$68,113
baseline
▲ 0.50% · 4.625%
HK$71,704
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,226/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,705
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,873
−HK$2,203/mo
Today · 4.125%
HK$74,076
baseline
▲ 0.50% · 4.625%
HK$78,584
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,152/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,546
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,626
−HK$2,110/mo
Today · 4.125%
HK$81,736
baseline
▲ 0.50% · 4.625%
HK$86,044
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,472/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,323
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,852
−HK$2,570/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$91,681
+HK$5,259/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,471
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,897
−HK$2,462/mo
Today · 4.125%
HK$95,359
baseline
▲ 0.50% · 4.625%
HK$100,385
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,718/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,558
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,810
−HK$3,305/mo
Today · 4.125%
HK$111,115
baseline
▲ 0.50% · 4.625%
HK$117,876
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,320
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,439
−HK$3,165/mo
Today · 4.125%
HK$122,604
baseline
▲ 0.50% · 4.625%
HK$129,067
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,208/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,654 · Scale 2, in force from 26 Feb 2026)