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$57,865
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,664
−HK$1,829/mo
Today · 4.125%
HK$61,493
baseline
▲ 0.50% · 4.625%
HK$65,235
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,986/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,374
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,100
−HK$1,752/mo
Today · 4.125%
HK$67,852
baseline
▲ 0.50% · 4.625%
HK$71,428
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,704/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,437
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,597
−HK$2,195/mo
Today · 4.125%
HK$73,792
baseline
▲ 0.50% · 4.625%
HK$78,282
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,584/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,248
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,320
−HK$2,102/mo
Today · 4.125%
HK$81,422
baseline
▲ 0.50% · 4.625%
HK$85,714
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,844/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,010
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,530
−HK$2,560/mo
Today · 4.125%
HK$86,090
baseline
▲ 0.50% · 4.625%
HK$91,329
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,180/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,123
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,540
−HK$2,452/mo
Today · 4.125%
HK$94,992
baseline
▲ 0.50% · 4.625%
HK$99,999
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,984/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,156
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,396
−HK$3,292/mo
Today · 4.125%
HK$110,688
baseline
▲ 0.50% · 4.625%
HK$117,423
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,376/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,873
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,980
−HK$3,153/mo
Today · 4.125%
HK$122,133
baseline
▲ 0.50% · 4.625%
HK$128,571
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,266/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,494 · Scale 2, in force from 26 Feb 2026)