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$58,145
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,954
−HK$1,837/mo
Today · 4.125%
HK$61,791
baseline
▲ 0.50% · 4.625%
HK$65,551
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,582/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,686
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,420
−HK$1,760/mo
Today · 4.125%
HK$68,180
baseline
▲ 0.50% · 4.625%
HK$71,774
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,360/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,774
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,944
−HK$2,205/mo
Today · 4.125%
HK$74,149
baseline
▲ 0.50% · 4.625%
HK$78,661
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,298/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,623
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,111/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,129
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,403
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,935
−HK$2,573/mo
Today · 4.125%
HK$86,508
baseline
▲ 0.50% · 4.625%
HK$91,771
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,016/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,560
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,989
−HK$2,464/mo
Today · 4.125%
HK$95,453
baseline
▲ 0.50% · 4.625%
HK$100,484
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,906/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,661
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,916
−HK$3,308/mo
Today · 4.125%
HK$111,224
baseline
▲ 0.50% · 4.625%
HK$117,992
+HK$6,768/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,448/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,434
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,557
−HK$3,168/mo
Today · 4.125%
HK$122,725
baseline
▲ 0.50% · 4.625%
HK$129,194
+HK$6,469/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,450/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,720 · Scale 2, in force from 26 Feb 2026)