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$58,076
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,882
−HK$1,836/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$65,473
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,609
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,342
−HK$1,758/mo
Today · 4.125%
HK$68,100
baseline
▲ 0.50% · 4.625%
HK$71,689
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,200/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,691
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,859
−HK$2,202/mo
Today · 4.125%
HK$74,061
baseline
▲ 0.50% · 4.625%
HK$78,568
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,122/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,531
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,610
−HK$2,109/mo
Today · 4.125%
HK$81,719
baseline
▲ 0.50% · 4.625%
HK$86,027
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,438/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,306
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,835
−HK$2,570/mo
Today · 4.125%
HK$86,405
baseline
▲ 0.50% · 4.625%
HK$91,662
+HK$5,257/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,810/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,452
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,878
−HK$2,461/mo
Today · 4.125%
HK$95,339
baseline
▲ 0.50% · 4.625%
HK$100,365
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,678/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,537
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,788
−HK$3,304/mo
Today · 4.125%
HK$111,092
baseline
▲ 0.50% · 4.625%
HK$117,852
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,184/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,296
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,415
−HK$3,164/mo
Today · 4.125%
HK$122,579
baseline
▲ 0.50% · 4.625%
HK$129,040
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,158/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,435 · Scale 2, in force from 26 Feb 2026)