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$57,712
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,507
−HK$1,824/mo
Today · 4.125%
HK$61,331
baseline
▲ 0.50% · 4.625%
HK$65,063
+HK$3,732/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,662/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,204
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,926
−HK$1,747/mo
Today · 4.125%
HK$67,673
baseline
▲ 0.50% · 4.625%
HK$71,240
+HK$3,567/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,346/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,255
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,409
−HK$2,189/mo
Today · 4.125%
HK$73,598
baseline
▲ 0.50% · 4.625%
HK$78,076
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,196/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,045
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,111
−HK$2,097/mo
Today · 4.125%
HK$81,208
baseline
▲ 0.50% · 4.625%
HK$85,488
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,416/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,797
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,310
−HK$2,554/mo
Today · 4.125%
HK$85,864
baseline
▲ 0.50% · 4.625%
HK$91,088
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,728/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,886
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,297
−HK$2,445/mo
Today · 4.125%
HK$94,742
baseline
▲ 0.50% · 4.625%
HK$99,736
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,484/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,882
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,113
−HK$3,283/mo
Today · 4.125%
HK$110,396
baseline
▲ 0.50% · 4.625%
HK$117,114
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,792/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,568
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,667
−HK$3,144/mo
Today · 4.125%
HK$121,811
baseline
▲ 0.50% · 4.625%
HK$128,232
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,622/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,655 · Scale 2, in force from 26 Feb 2026)