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$58,112
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,920
−HK$1,837/mo
Today · 4.125%
HK$61,757
baseline
▲ 0.50% · 4.625%
HK$65,514
+HK$3,757/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,514/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,649
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,383
−HK$1,759/mo
Today · 4.125%
HK$68,142
baseline
▲ 0.50% · 4.625%
HK$71,734
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,284/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,735
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,904
−HK$2,204/mo
Today · 4.125%
HK$74,108
baseline
▲ 0.50% · 4.625%
HK$78,617
+HK$4,509/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$148,216/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,579
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,111/mo
Today · 4.125%
HK$81,771
baseline
▲ 0.50% · 4.625%
HK$86,081
+HK$4,310/mo
Deposit HK$10.19M · loan HK$15.29M · min. income ≈ HK$163,542/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,357
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,888
−HK$2,571/mo
Today · 4.125%
HK$86,459
baseline
▲ 0.50% · 4.625%
HK$91,720
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,918/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,509
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,937
−HK$2,462/mo
Today · 4.125%
HK$95,399
baseline
▲ 0.50% · 4.625%
HK$100,428
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,798/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,602
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,856
−HK$3,306/mo
Today · 4.125%
HK$111,162
baseline
▲ 0.50% · 4.625%
HK$117,926
+HK$6,764/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,324/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,369
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,490
−HK$3,166/mo
Today · 4.125%
HK$122,656
baseline
▲ 0.50% · 4.625%
HK$129,121
+HK$6,465/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,312/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,114 · Scale 2, in force from 26 Feb 2026)