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$58,233
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,045
−HK$1,840/mo
Today · 4.125%
HK$61,885
baseline
▲ 0.50% · 4.625%
HK$65,651
+HK$3,766/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,770/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,784
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,521
−HK$1,763/mo
Today · 4.125%
HK$68,284
baseline
▲ 0.50% · 4.625%
HK$71,883
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,568/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,880
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,054
−HK$2,208/mo
Today · 4.125%
HK$74,262
baseline
▲ 0.50% · 4.625%
HK$78,781
+HK$4,519/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$148,524/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,741
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,826
−HK$2,115/mo
Today · 4.125%
HK$81,941
baseline
▲ 0.50% · 4.625%
HK$86,260
+HK$4,319/mo
Deposit HK$10.22M · loan HK$15.32M · min. income ≈ HK$163,882/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,527
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,062
−HK$2,577/mo
Today · 4.125%
HK$86,639
baseline
▲ 0.50% · 4.625%
HK$91,911
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,278/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,697
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,130
−HK$2,468/mo
Today · 4.125%
HK$95,598
baseline
▲ 0.50% · 4.625%
HK$100,637
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,196/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,820
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,080
−HK$3,313/mo
Today · 4.125%
HK$111,393
baseline
▲ 0.50% · 4.625%
HK$118,171
+HK$6,778/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,786/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,611
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,738
−HK$3,173/mo
Today · 4.125%
HK$122,911
baseline
▲ 0.50% · 4.625%
HK$129,390
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,822/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,367 · Scale 2, in force from 26 Feb 2026)