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$57,914
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,831/mo
Today · 4.125%
HK$61,546
baseline
▲ 0.50% · 4.625%
HK$65,291
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,092/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,429
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,157
−HK$1,753/mo
Today · 4.125%
HK$67,910
baseline
▲ 0.50% · 4.625%
HK$71,489
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,820/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,497
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,658
−HK$2,197/mo
Today · 4.125%
HK$73,855
baseline
▲ 0.50% · 4.625%
HK$78,349
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,710/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,314
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,388
−HK$2,103/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,080
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,602
−HK$2,562/mo
Today · 4.125%
HK$86,164
baseline
▲ 0.50% · 4.625%
HK$91,407
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,328/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,200
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,619
−HK$2,454/mo
Today · 4.125%
HK$95,073
baseline
▲ 0.50% · 4.625%
HK$100,085
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,146/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,245
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,488
−HK$3,294/mo
Today · 4.125%
HK$110,782
baseline
▲ 0.50% · 4.625%
HK$117,523
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,564/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,972
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,082
−HK$3,155/mo
Today · 4.125%
HK$122,237
baseline
▲ 0.50% · 4.625%
HK$128,681
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,474/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,415 · Scale 2, in force from 26 Feb 2026)