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$58,013
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,818
−HK$1,833/mo
Today · 4.125%
HK$61,651
baseline
▲ 0.50% · 4.625%
HK$65,403
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,302/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,539
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,270
−HK$1,756/mo
Today · 4.125%
HK$68,026
baseline
▲ 0.50% · 4.625%
HK$71,612
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,052/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,616
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,781
−HK$2,200/mo
Today · 4.125%
HK$73,981
baseline
▲ 0.50% · 4.625%
HK$78,483
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,962/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,447
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,524
−HK$2,107/mo
Today · 4.125%
HK$81,631
baseline
▲ 0.50% · 4.625%
HK$85,934
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,262/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,219
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,745
−HK$2,567/mo
Today · 4.125%
HK$86,312
baseline
▲ 0.50% · 4.625%
HK$91,564
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,624/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,355
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,778
−HK$2,458/mo
Today · 4.125%
HK$95,236
baseline
▲ 0.50% · 4.625%
HK$100,257
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,472/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,424
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,672
−HK$3,300/mo
Today · 4.125%
HK$110,972
baseline
▲ 0.50% · 4.625%
HK$117,725
+HK$6,753/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,944/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,171
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,286
−HK$3,161/mo
Today · 4.125%
HK$122,447
baseline
▲ 0.50% · 4.625%
HK$128,901
+HK$6,454/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,894/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,267 · Scale 2, in force from 26 Feb 2026)