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$58,042
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,848
−HK$1,834/mo
Today · 4.125%
HK$61,682
baseline
▲ 0.50% · 4.625%
HK$65,435
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,364/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,571
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,303
−HK$1,757/mo
Today · 4.125%
HK$68,060
baseline
▲ 0.50% · 4.625%
HK$71,647
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,120/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,651
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,817
−HK$2,201/mo
Today · 4.125%
HK$74,018
baseline
▲ 0.50% · 4.625%
HK$78,522
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,036/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,486
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,564
−HK$2,108/mo
Today · 4.125%
HK$81,672
baseline
▲ 0.50% · 4.625%
HK$85,977
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,344/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,259
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,787
−HK$2,568/mo
Today · 4.125%
HK$86,355
baseline
▲ 0.50% · 4.625%
HK$91,609
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,710/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,400
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,824
−HK$2,460/mo
Today · 4.125%
HK$95,284
baseline
▲ 0.50% · 4.625%
HK$100,306
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,568/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,476
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,726
−HK$3,301/mo
Today · 4.125%
HK$111,027
baseline
▲ 0.50% · 4.625%
HK$117,783
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,054/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,228
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,345
−HK$3,163/mo
Today · 4.125%
HK$122,508
baseline
▲ 0.50% · 4.625%
HK$128,965
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,016/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,804 · Scale 2, in force from 26 Feb 2026)