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$58,055
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,861
−HK$1,835/mo
Today · 4.125%
HK$61,696
baseline
▲ 0.50% · 4.625%
HK$65,450
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,392/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,586
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,318
−HK$1,757/mo
Today · 4.125%
HK$68,075
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,150/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,667
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,834
−HK$2,201/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$78,540
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,503
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,582
−HK$2,109/mo
Today · 4.125%
HK$81,691
baseline
▲ 0.50% · 4.625%
HK$85,997
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,382/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,278
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,806
−HK$2,568/mo
Today · 4.125%
HK$86,374
baseline
▲ 0.50% · 4.625%
HK$91,630
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,748/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,421
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,846
−HK$2,460/mo
Today · 4.125%
HK$95,306
baseline
▲ 0.50% · 4.625%
HK$100,329
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,612/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,500
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,750
−HK$3,303/mo
Today · 4.125%
HK$111,053
baseline
▲ 0.50% · 4.625%
HK$117,810
+HK$6,757/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,106/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,255
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,373
−HK$3,163/mo
Today · 4.125%
HK$122,536
baseline
▲ 0.50% · 4.625%
HK$128,995
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,072/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,052 · Scale 2, in force from 26 Feb 2026)