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$58,074
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,880
−HK$1,835/mo
Today · 4.125%
HK$61,715
baseline
▲ 0.50% · 4.625%
HK$65,470
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,430/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,606
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,339
−HK$1,758/mo
Today · 4.125%
HK$68,097
baseline
▲ 0.50% · 4.625%
HK$71,686
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,194/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,688
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,856
−HK$2,202/mo
Today · 4.125%
HK$74,058
baseline
▲ 0.50% · 4.625%
HK$78,565
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,116/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,527
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,607
−HK$2,109/mo
Today · 4.125%
HK$81,716
baseline
▲ 0.50% · 4.625%
HK$86,023
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,432/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,303
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,832
−HK$2,569/mo
Today · 4.125%
HK$86,401
baseline
▲ 0.50% · 4.625%
HK$91,659
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,802/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,449
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,874
−HK$2,461/mo
Today · 4.125%
HK$95,335
baseline
▲ 0.50% · 4.625%
HK$100,361
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,670/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,532
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,784
−HK$3,303/mo
Today · 4.125%
HK$111,087
baseline
▲ 0.50% · 4.625%
HK$117,847
+HK$6,760/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,174/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,291
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,410
−HK$3,164/mo
Today · 4.125%
HK$122,574
baseline
▲ 0.50% · 4.625%
HK$129,035
+HK$6,461/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,148/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,390 · Scale 2, in force from 26 Feb 2026)