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$57,831
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,629
−HK$1,828/mo
Today · 4.125%
HK$61,457
baseline
▲ 0.50% · 4.625%
HK$65,197
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,914/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,336
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,061
−HK$1,751/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,386
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,397
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,555
−HK$2,194/mo
Today · 4.125%
HK$73,749
baseline
▲ 0.50% · 4.625%
HK$78,236
+HK$4,487/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,498/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,203
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,274
−HK$2,100/mo
Today · 4.125%
HK$81,374
baseline
▲ 0.50% · 4.625%
HK$85,664
+HK$4,290/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,748/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,963
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,481
−HK$2,559/mo
Today · 4.125%
HK$86,040
baseline
▲ 0.50% · 4.625%
HK$91,275
+HK$5,235/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,080/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,070
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,486
−HK$2,451/mo
Today · 4.125%
HK$94,937
baseline
▲ 0.50% · 4.625%
HK$99,941
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,874/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,095
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,333
−HK$3,290/mo
Today · 4.125%
HK$110,623
baseline
▲ 0.50% · 4.625%
HK$117,354
+HK$6,731/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,246/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,805
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,911
−HK$3,150/mo
Today · 4.125%
HK$122,061
baseline
▲ 0.50% · 4.625%
HK$128,495
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,122/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,862 · Scale 2, in force from 26 Feb 2026)