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$58,175
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,984
−HK$1,839/mo
Today · 4.125%
HK$61,823
baseline
▲ 0.50% · 4.625%
HK$65,584
+HK$3,761/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,646/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,719
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,454
−HK$1,761/mo
Today · 4.125%
HK$68,215
baseline
▲ 0.50% · 4.625%
HK$71,811
+HK$3,596/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,430/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,809
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,981
−HK$2,206/mo
Today · 4.125%
HK$74,187
baseline
▲ 0.50% · 4.625%
HK$78,701
+HK$4,514/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$148,374/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,662
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,745
−HK$2,113/mo
Today · 4.125%
HK$81,858
baseline
▲ 0.50% · 4.625%
HK$86,173
+HK$4,315/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$163,716/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,444
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,978
−HK$2,574/mo
Today · 4.125%
HK$86,552
baseline
▲ 0.50% · 4.625%
HK$91,818
+HK$5,266/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,104/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,606
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,036
−HK$2,465/mo
Today · 4.125%
HK$95,501
baseline
▲ 0.50% · 4.625%
HK$100,535
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,002/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,714
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,971
−HK$3,310/mo
Today · 4.125%
HK$111,281
baseline
▲ 0.50% · 4.625%
HK$118,052
+HK$6,771/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,562/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,493
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,618
−HK$3,169/mo
Today · 4.125%
HK$122,787
baseline
▲ 0.50% · 4.625%
HK$129,259
+HK$6,472/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,574/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,272 · Scale 2, in force from 26 Feb 2026)