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$58,213
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,024
−HK$1,840/mo
Today · 4.125%
HK$61,864
baseline
▲ 0.50% · 4.625%
HK$65,628
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,728/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,762
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,499
−HK$1,762/mo
Today · 4.125%
HK$68,261
baseline
▲ 0.50% · 4.625%
HK$71,859
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,522/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,856
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,029
−HK$2,208/mo
Today · 4.125%
HK$74,237
baseline
▲ 0.50% · 4.625%
HK$78,754
+HK$4,517/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,474/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,714
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,115/mo
Today · 4.125%
HK$81,913
baseline
▲ 0.50% · 4.625%
HK$86,231
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,826/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,499
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,034
−HK$2,575/mo
Today · 4.125%
HK$86,609
baseline
▲ 0.50% · 4.625%
HK$91,879
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,218/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,667
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,098
−HK$2,467/mo
Today · 4.125%
HK$95,565
baseline
▲ 0.50% · 4.625%
HK$100,602
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,130/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,784
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,043
−HK$3,312/mo
Today · 4.125%
HK$111,355
baseline
▲ 0.50% · 4.625%
HK$118,131
+HK$6,776/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,710/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,571
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,698
−HK$3,171/mo
Today · 4.125%
HK$122,869
baseline
▲ 0.50% · 4.625%
HK$129,346
+HK$6,477/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,738/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,996 · Scale 2, in force from 26 Feb 2026)