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$58,075
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,881
−HK$1,836/mo
Today · 4.125%
HK$61,717
baseline
▲ 0.50% · 4.625%
HK$65,472
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,434/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,608
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,340
−HK$1,758/mo
Today · 4.125%
HK$68,098
baseline
▲ 0.50% · 4.625%
HK$71,688
+HK$3,590/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,196/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,690
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,858
−HK$2,202/mo
Today · 4.125%
HK$74,060
baseline
▲ 0.50% · 4.625%
HK$78,566
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,120/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,529
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,608
−HK$2,110/mo
Today · 4.125%
HK$81,718
baseline
▲ 0.50% · 4.625%
HK$86,025
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,436/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,305
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,834
−HK$2,569/mo
Today · 4.125%
HK$86,403
baseline
▲ 0.50% · 4.625%
HK$91,661
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,806/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,451
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,877
−HK$2,460/mo
Today · 4.125%
HK$95,337
baseline
▲ 0.50% · 4.625%
HK$100,363
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,674/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,535
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,786
−HK$3,304/mo
Today · 4.125%
HK$111,090
baseline
▲ 0.50% · 4.625%
HK$117,849
+HK$6,759/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,180/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,294
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,413
−HK$3,164/mo
Today · 4.125%
HK$122,577
baseline
▲ 0.50% · 4.625%
HK$129,038
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,154/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,413 · Scale 2, in force from 26 Feb 2026)