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$58,159
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,968
−HK$1,838/mo
Today · 4.125%
HK$61,806
baseline
▲ 0.50% · 4.625%
HK$65,567
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,612/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,702
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,437
−HK$1,760/mo
Today · 4.125%
HK$68,197
baseline
▲ 0.50% · 4.625%
HK$71,792
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,394/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,791
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,962
−HK$2,206/mo
Today · 4.125%
HK$74,168
baseline
▲ 0.50% · 4.625%
HK$78,681
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,336/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,642
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,724
−HK$2,113/mo
Today · 4.125%
HK$81,837
baseline
▲ 0.50% · 4.625%
HK$86,151
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,674/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,423
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,956
−HK$2,573/mo
Today · 4.125%
HK$86,529
baseline
▲ 0.50% · 4.625%
HK$91,794
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,058/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,582
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,012
−HK$2,464/mo
Today · 4.125%
HK$95,476
baseline
▲ 0.50% · 4.625%
HK$100,509
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,952/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,687
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,943
−HK$3,309/mo
Today · 4.125%
HK$111,252
baseline
▲ 0.50% · 4.625%
HK$118,021
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,504/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,463
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,587
−HK$3,168/mo
Today · 4.125%
HK$122,755
baseline
▲ 0.50% · 4.625%
HK$129,226
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,510/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,990 · Scale 2, in force from 26 Feb 2026)