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$57,664
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,458
−HK$1,822/mo
Today · 4.125%
HK$61,280
baseline
▲ 0.50% · 4.625%
HK$65,009
+HK$3,729/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,560/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,151
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,871
−HK$1,745/mo
Today · 4.125%
HK$67,616
baseline
▲ 0.50% · 4.625%
HK$71,181
+HK$3,565/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,232/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,197
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,349
−HK$2,187/mo
Today · 4.125%
HK$73,536
baseline
▲ 0.50% · 4.625%
HK$78,010
+HK$4,474/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$147,072/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,045
−HK$2,095/mo
Today · 4.125%
HK$81,140
baseline
▲ 0.50% · 4.625%
HK$85,417
+HK$4,277/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$162,280/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,730
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,241
−HK$2,551/mo
Today · 4.125%
HK$85,792
baseline
▲ 0.50% · 4.625%
HK$91,012
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,584/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,811
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,219
−HK$2,444/mo
Today · 4.125%
HK$94,663
baseline
▲ 0.50% · 4.625%
HK$99,653
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,326/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,795
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,024
−HK$3,280/mo
Today · 4.125%
HK$110,304
baseline
▲ 0.50% · 4.625%
HK$117,016
+HK$6,712/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,608/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,471
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,568
−HK$3,142/mo
Today · 4.125%
HK$121,710
baseline
▲ 0.50% · 4.625%
HK$128,125
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,420/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,756 · Scale 2, in force from 26 Feb 2026)