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$58,225
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,036
−HK$1,840/mo
Today · 4.125%
HK$61,876
baseline
▲ 0.50% · 4.625%
HK$65,641
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,752/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,775
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,512
−HK$1,762/mo
Today · 4.125%
HK$68,274
baseline
▲ 0.50% · 4.625%
HK$71,873
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,548/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,870
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,043
−HK$2,208/mo
Today · 4.125%
HK$74,251
baseline
▲ 0.50% · 4.625%
HK$78,769
+HK$4,518/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,502/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,729
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,814
−HK$2,115/mo
Today · 4.125%
HK$81,929
baseline
▲ 0.50% · 4.625%
HK$86,247
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,858/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,515
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,050
−HK$2,576/mo
Today · 4.125%
HK$86,626
baseline
▲ 0.50% · 4.625%
HK$91,897
+HK$5,271/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,252/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,684
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,116
−HK$2,468/mo
Today · 4.125%
HK$95,584
baseline
▲ 0.50% · 4.625%
HK$100,622
+HK$5,038/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,168/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,805
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,065
−HK$3,312/mo
Today · 4.125%
HK$111,377
baseline
▲ 0.50% · 4.625%
HK$118,154
+HK$6,777/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,754/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,594
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,721
−HK$3,172/mo
Today · 4.125%
HK$122,893
baseline
▲ 0.50% · 4.625%
HK$129,371
+HK$6,478/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,786/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,209 · Scale 2, in force from 26 Feb 2026)