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$58,231
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,043
−HK$1,840/mo
Today · 4.125%
HK$61,883
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,765/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$123,766/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,782
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,519
−HK$1,763/mo
Today · 4.125%
HK$68,282
baseline
▲ 0.50% · 4.625%
HK$71,881
+HK$3,599/mo
Deposit HK$12.77M · loan HK$12.77M · min. income ≈ HK$136,564/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,878
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,051
−HK$2,208/mo
Today · 4.125%
HK$74,259
baseline
▲ 0.50% · 4.625%
HK$78,778
+HK$4,519/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,518/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,738
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,823
−HK$2,115/mo
Today · 4.125%
HK$81,938
baseline
▲ 0.50% · 4.625%
HK$86,257
+HK$4,319/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,876/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,524
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,060
−HK$2,576/mo
Today · 4.125%
HK$86,636
baseline
▲ 0.50% · 4.625%
HK$91,908
+HK$5,272/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$173,272/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,694
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,127
−HK$2,467/mo
Today · 4.125%
HK$95,594
baseline
▲ 0.50% · 4.625%
HK$100,633
+HK$5,039/mo
Deposit HK$7.66M · loan HK$17.88M · min. income ≈ HK$191,188/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,816
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,077
−HK$3,312/mo
Today · 4.125%
HK$111,389
baseline
▲ 0.50% · 4.625%
HK$118,167
+HK$6,778/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$222,778/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,607
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,734
−HK$3,173/mo
Today · 4.125%
HK$122,907
baseline
▲ 0.50% · 4.625%
HK$129,386
+HK$6,479/mo
Deposit HK$2.55M · loan HK$22.98M · min. income ≈ HK$245,814/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,329 · Scale 2, in force from 26 Feb 2026)