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$58,120
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,928
−HK$1,837/mo
Today · 4.125%
HK$61,765
baseline
▲ 0.50% · 4.625%
HK$65,523
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,530/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,658
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,392
−HK$1,759/mo
Today · 4.125%
HK$68,151
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$3,593/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,302/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,744
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,914
−HK$2,204/mo
Today · 4.125%
HK$74,118
baseline
▲ 0.50% · 4.625%
HK$78,628
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,236/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,590
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,671
−HK$2,111/mo
Today · 4.125%
HK$81,782
baseline
▲ 0.50% · 4.625%
HK$86,093
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,564/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,368
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,899
−HK$2,572/mo
Today · 4.125%
HK$86,471
baseline
▲ 0.50% · 4.625%
HK$91,732
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,942/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,521
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,949
−HK$2,463/mo
Today · 4.125%
HK$95,412
baseline
▲ 0.50% · 4.625%
HK$100,441
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,824/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,616
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,871
−HK$3,306/mo
Today · 4.125%
HK$111,177
baseline
▲ 0.50% · 4.625%
HK$117,942
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,354/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,385
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,506
−HK$3,167/mo
Today · 4.125%
HK$122,673
baseline
▲ 0.50% · 4.625%
HK$129,139
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,346/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,260 · Scale 2, in force from 26 Feb 2026)