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$58,160
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,838/mo
Today · 4.125%
HK$61,807
baseline
▲ 0.50% · 4.625%
HK$65,568
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,614/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,702
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,437
−HK$1,761/mo
Today · 4.125%
HK$68,198
baseline
▲ 0.50% · 4.625%
HK$71,792
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,396/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,962
−HK$2,206/mo
Today · 4.125%
HK$74,168
baseline
▲ 0.50% · 4.625%
HK$78,681
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,336/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,642
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,725
−HK$2,112/mo
Today · 4.125%
HK$81,837
baseline
▲ 0.50% · 4.625%
HK$86,151
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,674/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,423
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,956
−HK$2,573/mo
Today · 4.125%
HK$86,529
baseline
▲ 0.50% · 4.625%
HK$91,795
+HK$5,266/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,058/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,583
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,012
−HK$2,465/mo
Today · 4.125%
HK$95,477
baseline
▲ 0.50% · 4.625%
HK$100,509
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,954/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,687
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,944
−HK$3,308/mo
Today · 4.125%
HK$111,252
baseline
▲ 0.50% · 4.625%
HK$118,022
+HK$6,770/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,504/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,464
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,587
−HK$3,169/mo
Today · 4.125%
HK$122,756
baseline
▲ 0.50% · 4.625%
HK$129,226
+HK$6,470/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,512/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,994 · Scale 2, in force from 26 Feb 2026)