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$58,119
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,837/mo
Today · 4.125%
HK$61,764
baseline
▲ 0.50% · 4.625%
HK$65,522
+HK$3,758/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,528/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,657
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,391
−HK$1,759/mo
Today · 4.125%
HK$68,150
baseline
▲ 0.50% · 4.625%
HK$71,742
+HK$3,592/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,300/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,743
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,912
−HK$2,204/mo
Today · 4.125%
HK$74,116
baseline
▲ 0.50% · 4.625%
HK$78,626
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,232/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,588
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,669
−HK$2,111/mo
Today · 4.125%
HK$81,780
baseline
▲ 0.50% · 4.625%
HK$86,091
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,560/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,367
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,898
−HK$2,571/mo
Today · 4.125%
HK$86,469
baseline
▲ 0.50% · 4.625%
HK$91,730
+HK$5,261/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,938/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,520
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,947
−HK$2,463/mo
Today · 4.125%
HK$95,410
baseline
▲ 0.50% · 4.625%
HK$100,439
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,820/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,614
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,868
−HK$3,306/mo
Today · 4.125%
HK$111,174
baseline
▲ 0.50% · 4.625%
HK$117,939
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,348/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,382
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,504
−HK$3,166/mo
Today · 4.125%
HK$122,670
baseline
▲ 0.50% · 4.625%
HK$129,136
+HK$6,466/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,340/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,237 · Scale 2, in force from 26 Feb 2026)