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$57,818
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,617
−HK$1,827/mo
Today · 4.125%
HK$61,444
baseline
▲ 0.50% · 4.625%
HK$65,183
+HK$3,739/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,888/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,322
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,047
−HK$1,750/mo
Today · 4.125%
HK$67,797
baseline
▲ 0.50% · 4.625%
HK$71,371
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,594/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,382
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,540
−HK$2,193/mo
Today · 4.125%
HK$73,733
baseline
▲ 0.50% · 4.625%
HK$78,219
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,466/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,187
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,257
−HK$2,100/mo
Today · 4.125%
HK$81,357
baseline
▲ 0.50% · 4.625%
HK$85,645
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,714/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,946
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,463
−HK$2,559/mo
Today · 4.125%
HK$86,022
baseline
▲ 0.50% · 4.625%
HK$91,256
+HK$5,234/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,044/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,051
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,466
−HK$2,450/mo
Today · 4.125%
HK$94,916
baseline
▲ 0.50% · 4.625%
HK$99,920
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,832/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,073
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,310
−HK$3,289/mo
Today · 4.125%
HK$110,599
baseline
▲ 0.50% · 4.625%
HK$117,329
+HK$6,730/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,198/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,780
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,885
−HK$3,150/mo
Today · 4.125%
HK$122,035
baseline
▲ 0.50% · 4.625%
HK$128,468
+HK$6,433/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,070/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,633 · Scale 2, in force from 26 Feb 2026)