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$57,695
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,490
−HK$1,823/mo
Today · 4.125%
HK$61,313
baseline
▲ 0.50% · 4.625%
HK$65,044
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,626/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,185
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,906
−HK$1,747/mo
Today · 4.125%
HK$67,653
baseline
▲ 0.50% · 4.625%
HK$71,219
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,306/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,234
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,387
−HK$2,188/mo
Today · 4.125%
HK$73,575
baseline
▲ 0.50% · 4.625%
HK$78,052
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,150/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,022
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,088
−HK$2,095/mo
Today · 4.125%
HK$81,183
baseline
▲ 0.50% · 4.625%
HK$85,463
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,366/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,773
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,285
−HK$2,553/mo
Today · 4.125%
HK$85,838
baseline
▲ 0.50% · 4.625%
HK$91,061
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,676/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,859
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,269
−HK$2,445/mo
Today · 4.125%
HK$94,714
baseline
▲ 0.50% · 4.625%
HK$99,706
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,428/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,851
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,081
−HK$3,282/mo
Today · 4.125%
HK$110,363
baseline
▲ 0.50% · 4.625%
HK$117,079
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,726/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,533
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,632
−HK$3,143/mo
Today · 4.125%
HK$121,775
baseline
▲ 0.50% · 4.625%
HK$128,194
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,550/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,333 · Scale 2, in force from 26 Feb 2026)