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$58,124
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,932
−HK$1,837/mo
Today · 4.125%
HK$61,769
baseline
▲ 0.50% · 4.625%
HK$65,528
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,538/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,663
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,397
−HK$1,759/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$71,749
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,749
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,919
−HK$2,204/mo
Today · 4.125%
HK$74,123
baseline
▲ 0.50% · 4.625%
HK$78,633
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,246/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,595
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,676
−HK$2,111/mo
Today · 4.125%
HK$81,787
baseline
▲ 0.50% · 4.625%
HK$86,099
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,574/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,374
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,905
−HK$2,572/mo
Today · 4.125%
HK$86,477
baseline
▲ 0.50% · 4.625%
HK$91,739
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,954/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,528
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,956
−HK$2,463/mo
Today · 4.125%
HK$95,419
baseline
▲ 0.50% · 4.625%
HK$100,448
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,838/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,624
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,878
−HK$3,307/mo
Today · 4.125%
HK$111,185
baseline
▲ 0.50% · 4.625%
HK$117,950
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,370/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,393
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,514
−HK$3,167/mo
Today · 4.125%
HK$122,681
baseline
▲ 0.50% · 4.625%
HK$129,148
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,362/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,336 · Scale 2, in force from 26 Feb 2026)