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$58,054
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,859
−HK$1,835/mo
Today · 4.125%
HK$61,694
baseline
▲ 0.50% · 4.625%
HK$65,448
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,388/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,584
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,316
−HK$1,757/mo
Today · 4.125%
HK$68,073
baseline
▲ 0.50% · 4.625%
HK$71,662
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,146/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,664
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,831
−HK$2,202/mo
Today · 4.125%
HK$74,033
baseline
▲ 0.50% · 4.625%
HK$78,538
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,066/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,501
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,579
−HK$2,109/mo
Today · 4.125%
HK$81,688
baseline
▲ 0.50% · 4.625%
HK$85,994
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,376/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,275
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,803
−HK$2,569/mo
Today · 4.125%
HK$86,372
baseline
▲ 0.50% · 4.625%
HK$91,627
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,744/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,418
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,843
−HK$2,460/mo
Today · 4.125%
HK$95,303
baseline
▲ 0.50% · 4.625%
HK$100,326
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,606/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,497
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,747
−HK$3,302/mo
Today · 4.125%
HK$111,049
baseline
▲ 0.50% · 4.625%
HK$117,807
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,098/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,251
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,369
−HK$3,163/mo
Today · 4.125%
HK$122,532
baseline
▲ 0.50% · 4.625%
HK$128,991
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,064/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,020 · Scale 2, in force from 26 Feb 2026)