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$57,930
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,732
−HK$1,831/mo
Today · 4.125%
HK$61,563
baseline
▲ 0.50% · 4.625%
HK$65,309
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,126/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,447
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,175
−HK$1,754/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$71,509
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,516
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,679
−HK$2,197/mo
Today · 4.125%
HK$73,876
baseline
▲ 0.50% · 4.625%
HK$78,371
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,752/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,336
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,410
−HK$2,105/mo
Today · 4.125%
HK$81,515
baseline
▲ 0.50% · 4.625%
HK$85,811
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,030/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,102
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,625
−HK$2,563/mo
Today · 4.125%
HK$86,188
baseline
▲ 0.50% · 4.625%
HK$91,433
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,376/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,226
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,645
−HK$2,455/mo
Today · 4.125%
HK$95,100
baseline
▲ 0.50% · 4.625%
HK$100,113
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,200/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,275
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,518
−HK$3,295/mo
Today · 4.125%
HK$110,813
baseline
▲ 0.50% · 4.625%
HK$117,556
+HK$6,743/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,626/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,004
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,116
−HK$3,156/mo
Today · 4.125%
HK$122,272
baseline
▲ 0.50% · 4.625%
HK$128,717
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,544/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,720 · Scale 2, in force from 26 Feb 2026)