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$58,136
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,945
−HK$1,837/mo
Today · 4.125%
HK$61,782
baseline
▲ 0.50% · 4.625%
HK$65,541
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,564/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,676
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$1,759/mo
Today · 4.125%
HK$68,170
baseline
▲ 0.50% · 4.625%
HK$71,764
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,340/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,764
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,934
−HK$2,204/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,649
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,611
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,693
−HK$2,111/mo
Today · 4.125%
HK$81,804
baseline
▲ 0.50% · 4.625%
HK$86,116
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,608/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,391
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,923
−HK$2,572/mo
Today · 4.125%
HK$86,495
baseline
▲ 0.50% · 4.625%
HK$91,758
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,990/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,546
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,975
−HK$2,463/mo
Today · 4.125%
HK$95,438
baseline
▲ 0.50% · 4.625%
HK$100,469
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,876/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,645
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,900
−HK$3,307/mo
Today · 4.125%
HK$111,207
baseline
▲ 0.50% · 4.625%
HK$117,974
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,414/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,417
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,539
−HK$3,167/mo
Today · 4.125%
HK$122,706
baseline
▲ 0.50% · 4.625%
HK$129,175
+HK$6,469/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,412/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,559 · Scale 2, in force from 26 Feb 2026)