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$58,072
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,879
−HK$1,835/mo
Today · 4.125%
HK$61,714
baseline
▲ 0.50% · 4.625%
HK$65,469
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,428/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,605
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,337
−HK$1,758/mo
Today · 4.125%
HK$68,095
baseline
▲ 0.50% · 4.625%
HK$71,684
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,190/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,687
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,854
−HK$2,203/mo
Today · 4.125%
HK$74,057
baseline
▲ 0.50% · 4.625%
HK$78,563
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,114/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,526
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,605
−HK$2,109/mo
Today · 4.125%
HK$81,714
baseline
▲ 0.50% · 4.625%
HK$86,021
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,428/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,301
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,830
−HK$2,569/mo
Today · 4.125%
HK$86,399
baseline
▲ 0.50% · 4.625%
HK$91,657
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,798/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,447
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,872
−HK$2,461/mo
Today · 4.125%
HK$95,333
baseline
▲ 0.50% · 4.625%
HK$100,358
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,666/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,530
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,781
−HK$3,304/mo
Today · 4.125%
HK$111,085
baseline
▲ 0.50% · 4.625%
HK$117,844
+HK$6,759/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,170/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,288
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,407
−HK$3,164/mo
Today · 4.125%
HK$122,571
baseline
▲ 0.50% · 4.625%
HK$129,032
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,142/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,364 · Scale 2, in force from 26 Feb 2026)