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$58,205
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,015
−HK$1,840/mo
Today · 4.125%
HK$61,855
baseline
▲ 0.50% · 4.625%
HK$65,618
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,710/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,752
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$1,761/mo
Today · 4.125%
HK$68,250
baseline
▲ 0.50% · 4.625%
HK$71,848
+HK$3,598/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,500/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,846
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,018
−HK$2,208/mo
Today · 4.125%
HK$74,226
baseline
▲ 0.50% · 4.625%
HK$78,742
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,452/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,703
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,786
−HK$2,115/mo
Today · 4.125%
HK$81,901
baseline
▲ 0.50% · 4.625%
HK$86,218
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,802/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,487
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,021
−HK$2,575/mo
Today · 4.125%
HK$86,596
baseline
▲ 0.50% · 4.625%
HK$91,866
+HK$5,270/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,192/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,653
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,084
−HK$2,467/mo
Today · 4.125%
HK$95,551
baseline
▲ 0.50% · 4.625%
HK$100,587
+HK$5,036/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,102/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,768
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,027
−HK$3,311/mo
Today · 4.125%
HK$111,338
baseline
▲ 0.50% · 4.625%
HK$118,113
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,676/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,554
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,680
−HK$3,171/mo
Today · 4.125%
HK$122,851
baseline
▲ 0.50% · 4.625%
HK$129,326
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,702/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,834 · Scale 2, in force from 26 Feb 2026)