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$58,149
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,958
−HK$1,838/mo
Today · 4.125%
HK$61,796
baseline
▲ 0.50% · 4.625%
HK$65,556
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,592/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,691
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,426
−HK$1,760/mo
Today · 4.125%
HK$68,186
baseline
▲ 0.50% · 4.625%
HK$71,780
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,372/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,779
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,950
−HK$2,205/mo
Today · 4.125%
HK$74,155
baseline
▲ 0.50% · 4.625%
HK$78,667
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,310/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,629
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,711
−HK$2,112/mo
Today · 4.125%
HK$81,823
baseline
▲ 0.50% · 4.625%
HK$86,136
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,646/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,409
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,942
−HK$2,572/mo
Today · 4.125%
HK$86,514
baseline
▲ 0.50% · 4.625%
HK$91,779
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,028/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,567
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,996
−HK$2,464/mo
Today · 4.125%
HK$95,460
baseline
▲ 0.50% · 4.625%
HK$100,492
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,920/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,669
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,925
−HK$3,308/mo
Today · 4.125%
HK$111,233
baseline
▲ 0.50% · 4.625%
HK$118,001
+HK$6,768/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,466/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,443
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,566
−HK$3,168/mo
Today · 4.125%
HK$122,734
baseline
▲ 0.50% · 4.625%
HK$129,204
+HK$6,470/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,468/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,805 · Scale 2, in force from 26 Feb 2026)