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$58,185
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,995
−HK$1,839/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,762/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,730
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,466
−HK$1,761/mo
Today · 4.125%
HK$68,227
baseline
▲ 0.50% · 4.625%
HK$71,824
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,454/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,822
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$2,206/mo
Today · 4.125%
HK$74,200
baseline
▲ 0.50% · 4.625%
HK$78,715
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,400/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,676
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,760
−HK$2,113/mo
Today · 4.125%
HK$81,873
baseline
▲ 0.50% · 4.625%
HK$86,189
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,746/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,459
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,574/mo
Today · 4.125%
HK$86,567
baseline
▲ 0.50% · 4.625%
HK$91,835
+HK$5,268/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$173,134/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,622
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,053
−HK$2,465/mo
Today · 4.125%
HK$95,518
baseline
▲ 0.50% · 4.625%
HK$100,553
+HK$5,035/mo
Deposit HK$7.66M · loan HK$17.86M · min. income ≈ HK$191,036/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,733
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,991
−HK$3,310/mo
Today · 4.125%
HK$111,301
baseline
▲ 0.50% · 4.625%
HK$118,073
+HK$6,772/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,602/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,514
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,639
−HK$3,170/mo
Today · 4.125%
HK$122,809
baseline
▲ 0.50% · 4.625%
HK$129,283
+HK$6,474/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,618/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,468 · Scale 2, in force from 26 Feb 2026)