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$58,069
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,875
−HK$1,836/mo
Today · 4.125%
HK$61,711
baseline
▲ 0.50% · 4.625%
HK$65,465
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,422/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,601
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,334
−HK$1,757/mo
Today · 4.125%
HK$68,091
baseline
▲ 0.50% · 4.625%
HK$71,681
+HK$3,590/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,182/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,683
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,850
−HK$2,203/mo
Today · 4.125%
HK$74,053
baseline
▲ 0.50% · 4.625%
HK$78,559
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,106/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,522
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,601
−HK$2,109/mo
Today · 4.125%
HK$81,710
baseline
▲ 0.50% · 4.625%
HK$86,017
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,420/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,297
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,825
−HK$2,570/mo
Today · 4.125%
HK$86,395
baseline
▲ 0.50% · 4.625%
HK$91,652
+HK$5,257/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,790/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,442
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,867
−HK$2,461/mo
Today · 4.125%
HK$95,328
baseline
▲ 0.50% · 4.625%
HK$100,353
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,656/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,524
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,776
−HK$3,303/mo
Today · 4.125%
HK$111,079
baseline
▲ 0.50% · 4.625%
HK$117,838
+HK$6,759/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,158/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,282
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,401
−HK$3,164/mo
Today · 4.125%
HK$122,565
baseline
▲ 0.50% · 4.625%
HK$129,025
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,130/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,307 · Scale 2, in force from 26 Feb 2026)