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$57,815
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,613
−HK$1,827/mo
Today · 4.125%
HK$61,440
baseline
▲ 0.50% · 4.625%
HK$65,179
+HK$3,739/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,880/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,318
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,043
−HK$1,750/mo
Today · 4.125%
HK$67,793
baseline
▲ 0.50% · 4.625%
HK$71,367
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,586/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,378
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,536
−HK$2,192/mo
Today · 4.125%
HK$73,728
baseline
▲ 0.50% · 4.625%
HK$78,214
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,456/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,182
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,252
−HK$2,100/mo
Today · 4.125%
HK$81,352
baseline
▲ 0.50% · 4.625%
HK$85,640
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,704/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,941
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,458
−HK$2,558/mo
Today · 4.125%
HK$86,016
baseline
▲ 0.50% · 4.625%
HK$91,250
+HK$5,234/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,032/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,046
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,461
−HK$2,450/mo
Today · 4.125%
HK$94,911
baseline
▲ 0.50% · 4.625%
HK$99,913
+HK$5,002/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,822/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,067
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,304
−HK$3,288/mo
Today · 4.125%
HK$110,592
baseline
▲ 0.50% · 4.625%
HK$117,322
+HK$6,730/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,184/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,773
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,878
−HK$3,150/mo
Today · 4.125%
HK$122,028
baseline
▲ 0.50% · 4.625%
HK$128,460
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,056/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,566 · Scale 2, in force from 26 Feb 2026)