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$58,211
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,022
−HK$1,839/mo
Today · 4.125%
HK$61,861
baseline
▲ 0.50% · 4.625%
HK$65,625
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,722/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,759
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,496
−HK$1,762/mo
Today · 4.125%
HK$68,258
baseline
▲ 0.50% · 4.625%
HK$71,856
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,516/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,853
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,026
−HK$2,208/mo
Today · 4.125%
HK$74,234
baseline
▲ 0.50% · 4.625%
HK$78,750
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,468/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,711
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,795
−HK$2,114/mo
Today · 4.125%
HK$81,909
baseline
▲ 0.50% · 4.625%
HK$86,227
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,818/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,495
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,030
−HK$2,576/mo
Today · 4.125%
HK$86,606
baseline
▲ 0.50% · 4.625%
HK$91,876
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,212/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,663
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,094
−HK$2,467/mo
Today · 4.125%
HK$95,561
baseline
▲ 0.50% · 4.625%
HK$100,598
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,122/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,780
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,039
−HK$3,311/mo
Today · 4.125%
HK$111,350
baseline
▲ 0.50% · 4.625%
HK$118,126
+HK$6,776/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,700/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,566
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,693
−HK$3,171/mo
Today · 4.125%
HK$122,864
baseline
▲ 0.50% · 4.625%
HK$129,340
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,728/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,951 · Scale 2, in force from 26 Feb 2026)