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$57,678
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,472
−HK$1,823/mo
Today · 4.125%
HK$61,295
baseline
▲ 0.50% · 4.625%
HK$65,025
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,590/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,166
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,887
−HK$1,746/mo
Today · 4.125%
HK$67,633
baseline
▲ 0.50% · 4.625%
HK$71,198
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,266/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,214
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,367
−HK$2,187/mo
Today · 4.125%
HK$73,554
baseline
▲ 0.50% · 4.625%
HK$78,029
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,108/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,065
−HK$2,094/mo
Today · 4.125%
HK$81,159
baseline
▲ 0.50% · 4.625%
HK$85,438
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,318/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,749
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,261
−HK$2,552/mo
Today · 4.125%
HK$85,813
baseline
▲ 0.50% · 4.625%
HK$91,034
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,626/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,833
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,242
−HK$2,444/mo
Today · 4.125%
HK$94,686
baseline
▲ 0.50% · 4.625%
HK$99,677
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,372/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,820
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,050
−HK$3,281/mo
Today · 4.125%
HK$110,331
baseline
▲ 0.50% · 4.625%
HK$117,044
+HK$6,713/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,662/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,499
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,597
−HK$3,142/mo
Today · 4.125%
HK$121,739
baseline
▲ 0.50% · 4.625%
HK$128,156
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,478/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,018 · Scale 2, in force from 26 Feb 2026)