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$58,135
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,943
−HK$1,837/mo
Today · 4.125%
HK$61,780
baseline
▲ 0.50% · 4.625%
HK$65,540
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,560/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,674
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,409
−HK$1,760/mo
Today · 4.125%
HK$68,169
baseline
▲ 0.50% · 4.625%
HK$71,762
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,338/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,762
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,932
−HK$2,205/mo
Today · 4.125%
HK$74,137
baseline
▲ 0.50% · 4.625%
HK$78,648
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,274/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,609
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,691
−HK$2,111/mo
Today · 4.125%
HK$81,802
baseline
▲ 0.50% · 4.625%
HK$86,114
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,604/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,389
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,920
−HK$2,573/mo
Today · 4.125%
HK$86,493
baseline
▲ 0.50% · 4.625%
HK$91,755
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,986/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,544
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,973
−HK$2,463/mo
Today · 4.125%
HK$95,436
baseline
▲ 0.50% · 4.625%
HK$100,467
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,872/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,643
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,898
−HK$3,307/mo
Today · 4.125%
HK$111,205
baseline
▲ 0.50% · 4.625%
HK$117,971
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,410/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,414
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,536
−HK$3,167/mo
Today · 4.125%
HK$122,703
baseline
▲ 0.50% · 4.625%
HK$129,171
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,406/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,533 · Scale 2, in force from 26 Feb 2026)