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$57,753
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,549
−HK$1,825/mo
Today · 4.125%
HK$61,374
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,735/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,748/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,249
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,973
−HK$1,748/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,290
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,303
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,459
−HK$2,190/mo
Today · 4.125%
HK$73,649
baseline
▲ 0.50% · 4.625%
HK$78,131
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,298/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,099
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,167
−HK$2,098/mo
Today · 4.125%
HK$81,265
baseline
▲ 0.50% · 4.625%
HK$85,548
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,530/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,854
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,369
−HK$2,555/mo
Today · 4.125%
HK$85,924
baseline
▲ 0.50% · 4.625%
HK$91,152
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,848/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,949
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,362
−HK$2,447/mo
Today · 4.125%
HK$94,809
baseline
▲ 0.50% · 4.625%
HK$99,806
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,618/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,955
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,189
−HK$3,285/mo
Today · 4.125%
HK$110,474
baseline
▲ 0.50% · 4.625%
HK$117,196
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,948/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,649
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,751
−HK$3,146/mo
Today · 4.125%
HK$121,897
baseline
▲ 0.50% · 4.625%
HK$128,322
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,794/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,412 · Scale 2, in force from 26 Feb 2026)