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$58,087
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,894
−HK$1,836/mo
Today · 4.125%
HK$61,730
baseline
▲ 0.50% · 4.625%
HK$65,486
+HK$3,756/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$123,460/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,621
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,354
−HK$1,759/mo
Today · 4.125%
HK$68,113
baseline
▲ 0.50% · 4.625%
HK$71,703
+HK$3,590/mo
Deposit HK$12.74M · loan HK$12.74M · min. income ≈ HK$136,226/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,704
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,873
−HK$2,203/mo
Today · 4.125%
HK$74,076
baseline
▲ 0.50% · 4.625%
HK$78,583
+HK$4,507/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,152/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,546
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,625
−HK$2,110/mo
Today · 4.125%
HK$81,735
baseline
▲ 0.50% · 4.625%
HK$86,043
+HK$4,308/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,470/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,322
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,851
−HK$2,571/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$91,680
+HK$5,258/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,470
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,896
−HK$2,462/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$100,384
+HK$5,026/mo
Deposit HK$7.64M · loan HK$17.83M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,557
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,809
−HK$3,304/mo
Today · 4.125%
HK$111,113
baseline
▲ 0.50% · 4.625%
HK$117,874
+HK$6,761/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$222,226/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,318
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,438
−HK$3,165/mo
Today · 4.125%
HK$122,603
baseline
▲ 0.50% · 4.625%
HK$129,065
+HK$6,462/mo
Deposit HK$2.55M · loan HK$22.93M · min. income ≈ HK$245,206/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,642 · Scale 2, in force from 26 Feb 2026)