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$58,108
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,915
−HK$1,837/mo
Today · 4.125%
HK$61,752
baseline
▲ 0.50% · 4.625%
HK$65,509
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,504/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,645
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$1,759/mo
Today · 4.125%
HK$68,137
baseline
▲ 0.50% · 4.625%
HK$71,729
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,274/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,730
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,899
−HK$2,203/mo
Today · 4.125%
HK$74,102
baseline
▲ 0.50% · 4.625%
HK$78,611
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,204/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,573
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,654
−HK$2,111/mo
Today · 4.125%
HK$81,765
baseline
▲ 0.50% · 4.625%
HK$86,074
+HK$4,309/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,530/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,351
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,882
−HK$2,571/mo
Today · 4.125%
HK$86,453
baseline
▲ 0.50% · 4.625%
HK$91,713
+HK$5,260/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$172,906/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,502
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,930
−HK$2,462/mo
Today · 4.125%
HK$95,392
baseline
▲ 0.50% · 4.625%
HK$100,420
+HK$5,028/mo
Deposit HK$7.64M · loan HK$17.84M · min. income ≈ HK$190,784/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,594
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,848
−HK$3,305/mo
Today · 4.125%
HK$111,153
baseline
▲ 0.50% · 4.625%
HK$117,917
+HK$6,764/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,306/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,360
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,481
−HK$3,166/mo
Today · 4.125%
HK$122,647
baseline
▲ 0.50% · 4.625%
HK$129,112
+HK$6,465/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,294/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,032 · Scale 2, in force from 26 Feb 2026)