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$58,092
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,899
−HK$1,836/mo
Today · 4.125%
HK$61,735
baseline
▲ 0.50% · 4.625%
HK$65,491
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,470/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,627
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,360
−HK$1,758/mo
Today · 4.125%
HK$68,118
baseline
▲ 0.50% · 4.625%
HK$71,709
+HK$3,591/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,236/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,710
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,879
−HK$2,203/mo
Today · 4.125%
HK$74,082
baseline
▲ 0.50% · 4.625%
HK$78,590
+HK$4,508/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,164/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,552
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,632
−HK$2,110/mo
Today · 4.125%
HK$81,742
baseline
▲ 0.50% · 4.625%
HK$86,051
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,484/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,329
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,859
−HK$2,570/mo
Today · 4.125%
HK$86,429
baseline
▲ 0.50% · 4.625%
HK$91,688
+HK$5,259/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,858/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,477
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,904
−HK$2,462/mo
Today · 4.125%
HK$95,366
baseline
▲ 0.50% · 4.625%
HK$100,393
+HK$5,027/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,732/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,566
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,818
−HK$3,305/mo
Today · 4.125%
HK$111,123
baseline
▲ 0.50% · 4.625%
HK$117,884
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,246/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,328
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,448
−HK$3,165/mo
Today · 4.125%
HK$122,613
baseline
▲ 0.50% · 4.625%
HK$129,076
+HK$6,463/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,226/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,734 · Scale 2, in force from 26 Feb 2026)