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$57,920
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,721
−HK$1,831/mo
Today · 4.125%
HK$61,552
baseline
▲ 0.50% · 4.625%
HK$65,297
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,104/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,435
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,163
−HK$1,753/mo
Today · 4.125%
HK$67,916
baseline
▲ 0.50% · 4.625%
HK$71,496
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,832/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,504
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,666
−HK$2,196/mo
Today · 4.125%
HK$73,862
baseline
▲ 0.50% · 4.625%
HK$78,357
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,724/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,322
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,396
−HK$2,104/mo
Today · 4.125%
HK$81,500
baseline
▲ 0.50% · 4.625%
HK$85,796
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,000/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,088
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,610
−HK$2,563/mo
Today · 4.125%
HK$86,173
baseline
▲ 0.50% · 4.625%
HK$91,416
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,346/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,209
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,454/mo
Today · 4.125%
HK$95,083
baseline
▲ 0.50% · 4.625%
HK$100,095
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,166/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,256
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,499
−HK$3,294/mo
Today · 4.125%
HK$110,793
baseline
▲ 0.50% · 4.625%
HK$117,535
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,586/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,983
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,094
−HK$3,156/mo
Today · 4.125%
HK$122,250
baseline
▲ 0.50% · 4.625%
HK$128,694
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,500/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,525 · Scale 2, in force from 26 Feb 2026)