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$58,114
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,922
−HK$1,836/mo
Today · 4.125%
HK$61,758
baseline
▲ 0.50% · 4.625%
HK$65,516
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,516/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,651
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,385
−HK$1,759/mo
Today · 4.125%
HK$68,144
baseline
▲ 0.50% · 4.625%
HK$71,736
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,288/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,737
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,906
−HK$2,204/mo
Today · 4.125%
HK$74,110
baseline
▲ 0.50% · 4.625%
HK$78,619
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,220/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,581
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,111/mo
Today · 4.125%
HK$81,773
baseline
▲ 0.50% · 4.625%
HK$86,083
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,546/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,359
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,890
−HK$2,571/mo
Today · 4.125%
HK$86,461
baseline
▲ 0.50% · 4.625%
HK$91,722
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,922/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,512
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,939
−HK$2,463/mo
Today · 4.125%
HK$95,402
baseline
▲ 0.50% · 4.625%
HK$100,430
+HK$5,028/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,804/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,605
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,859
−HK$3,306/mo
Today · 4.125%
HK$111,165
baseline
▲ 0.50% · 4.625%
HK$117,929
+HK$6,764/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,330/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,372
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,493
−HK$3,166/mo
Today · 4.125%
HK$122,659
baseline
▲ 0.50% · 4.625%
HK$129,125
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,318/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,142 · Scale 2, in force from 26 Feb 2026)