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$57,917
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,718
−HK$1,831/mo
Today · 4.125%
HK$61,549
baseline
▲ 0.50% · 4.625%
HK$65,294
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,098/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,432
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,160
−HK$1,753/mo
Today · 4.125%
HK$67,913
baseline
▲ 0.50% · 4.625%
HK$71,493
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,826/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,500
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,662
−HK$2,196/mo
Today · 4.125%
HK$73,858
baseline
▲ 0.50% · 4.625%
HK$78,353
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,716/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,318
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,392
−HK$2,103/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$85,791
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,083
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,606
−HK$2,562/mo
Today · 4.125%
HK$86,168
baseline
▲ 0.50% · 4.625%
HK$91,411
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,336/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,205
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,624
−HK$2,454/mo
Today · 4.125%
HK$95,078
baseline
▲ 0.50% · 4.625%
HK$100,090
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,156/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,250
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,493
−HK$3,295/mo
Today · 4.125%
HK$110,788
baseline
▲ 0.50% · 4.625%
HK$117,529
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,576/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,977
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,088
−HK$3,155/mo
Today · 4.125%
HK$122,243
baseline
▲ 0.50% · 4.625%
HK$128,687
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,486/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,468 · Scale 2, in force from 26 Feb 2026)