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$58,012
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,816
−HK$1,833/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$65,401
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,537
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,268
−HK$1,756/mo
Today · 4.125%
HK$68,024
baseline
▲ 0.50% · 4.625%
HK$71,610
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,048/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,614
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,779
−HK$2,200/mo
Today · 4.125%
HK$73,979
baseline
▲ 0.50% · 4.625%
HK$78,481
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,958/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,445
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,522
−HK$2,107/mo
Today · 4.125%
HK$81,629
baseline
▲ 0.50% · 4.625%
HK$85,932
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,258/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,216
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,743
−HK$2,566/mo
Today · 4.125%
HK$86,309
baseline
▲ 0.50% · 4.625%
HK$91,561
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,618/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,352
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,775
−HK$2,459/mo
Today · 4.125%
HK$95,234
baseline
▲ 0.50% · 4.625%
HK$100,254
+HK$5,020/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,468/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,421
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,669
−HK$3,300/mo
Today · 4.125%
HK$110,969
baseline
▲ 0.50% · 4.625%
HK$117,721
+HK$6,752/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,938/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,167
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,283
−HK$3,160/mo
Today · 4.125%
HK$122,443
baseline
▲ 0.50% · 4.625%
HK$128,898
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,886/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,236 · Scale 2, in force from 26 Feb 2026)