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$58,037
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,842
−HK$1,834/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$65,429
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,297
−HK$1,757/mo
Today · 4.125%
HK$68,054
baseline
▲ 0.50% · 4.625%
HK$71,641
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,108/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,644
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,810
−HK$2,201/mo
Today · 4.125%
HK$74,011
baseline
▲ 0.50% · 4.625%
HK$78,515
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,022/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,478
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,556
−HK$2,108/mo
Today · 4.125%
HK$81,664
baseline
▲ 0.50% · 4.625%
HK$85,969
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,328/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,251
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,779
−HK$2,568/mo
Today · 4.125%
HK$86,347
baseline
▲ 0.50% · 4.625%
HK$91,601
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,694/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,391
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,816
−HK$2,459/mo
Today · 4.125%
HK$95,275
baseline
▲ 0.50% · 4.625%
HK$100,297
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,550/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,466
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,716
−HK$3,301/mo
Today · 4.125%
HK$111,017
baseline
▲ 0.50% · 4.625%
HK$117,772
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,034/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,217
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,334
−HK$3,162/mo
Today · 4.125%
HK$122,496
baseline
▲ 0.50% · 4.625%
HK$128,953
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$244,992/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,704 · Scale 2, in force from 26 Feb 2026)