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$57,684
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,478
−HK$1,823/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$65,031
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,173
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,894
−HK$1,746/mo
Today · 4.125%
HK$67,640
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,280/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,220
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,374
−HK$2,187/mo
Today · 4.125%
HK$73,561
baseline
▲ 0.50% · 4.625%
HK$78,037
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,122/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,007
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,072
−HK$2,095/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$85,446
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,757
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,269
−HK$2,552/mo
Today · 4.125%
HK$85,821
baseline
▲ 0.50% · 4.625%
HK$91,043
+HK$5,222/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,642/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,842
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,251
−HK$2,444/mo
Today · 4.125%
HK$94,695
baseline
▲ 0.50% · 4.625%
HK$99,687
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,390/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,831
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,060
−HK$3,282/mo
Today · 4.125%
HK$110,342
baseline
▲ 0.50% · 4.625%
HK$117,056
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,684/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,511
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,608
−HK$3,143/mo
Today · 4.125%
HK$121,751
baseline
▲ 0.50% · 4.625%
HK$128,169
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,502/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,075,124 · Scale 2, in force from 26 Feb 2026)