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$58,021
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,825
−HK$1,834/mo
Today · 4.125%
HK$61,659
baseline
▲ 0.50% · 4.625%
HK$65,411
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,318/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,547
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,278
−HK$1,757/mo
Today · 4.125%
HK$68,035
baseline
▲ 0.50% · 4.625%
HK$71,621
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,070/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,625
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,790
−HK$2,201/mo
Today · 4.125%
HK$73,991
baseline
▲ 0.50% · 4.625%
HK$78,493
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,982/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,534
−HK$2,107/mo
Today · 4.125%
HK$81,641
baseline
▲ 0.50% · 4.625%
HK$85,945
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,282/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,229
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,755
−HK$2,567/mo
Today · 4.125%
HK$86,322
baseline
▲ 0.50% · 4.625%
HK$91,575
+HK$5,253/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,644/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,366
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,790
−HK$2,458/mo
Today · 4.125%
HK$95,248
baseline
▲ 0.50% · 4.625%
HK$100,269
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,496/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,437
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,686
−HK$3,300/mo
Today · 4.125%
HK$110,986
baseline
▲ 0.50% · 4.625%
HK$117,739
+HK$6,753/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,972/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,185
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,301
−HK$3,161/mo
Today · 4.125%
HK$122,462
baseline
▲ 0.50% · 4.625%
HK$128,917
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,924/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,402 · Scale 2, in force from 26 Feb 2026)