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$57,812
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,610
−HK$1,827/mo
Today · 4.125%
HK$61,437
baseline
▲ 0.50% · 4.625%
HK$65,175
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,874/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,315
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,040
−HK$1,750/mo
Today · 4.125%
HK$67,790
baseline
▲ 0.50% · 4.625%
HK$71,363
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,580/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,374
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$2,192/mo
Today · 4.125%
HK$73,724
baseline
▲ 0.50% · 4.625%
HK$78,210
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,448/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,178
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,248
−HK$2,100/mo
Today · 4.125%
HK$81,348
baseline
▲ 0.50% · 4.625%
HK$85,636
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,696/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,936
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,454
−HK$2,558/mo
Today · 4.125%
HK$86,012
baseline
▲ 0.50% · 4.625%
HK$91,245
+HK$5,233/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,024/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,041
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,456
−HK$2,450/mo
Today · 4.125%
HK$94,906
baseline
▲ 0.50% · 4.625%
HK$99,908
+HK$5,002/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,812/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,061
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,298
−HK$3,289/mo
Today · 4.125%
HK$110,587
baseline
▲ 0.50% · 4.625%
HK$117,316
+HK$6,729/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,174/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,767
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,872
−HK$3,149/mo
Today · 4.125%
HK$122,021
baseline
▲ 0.50% · 4.625%
HK$128,453
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,042/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,509 · Scale 2, in force from 26 Feb 2026)