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$57,700
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,495
−HK$1,823/mo
Today · 4.125%
HK$61,318
baseline
▲ 0.50% · 4.625%
HK$65,049
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,636/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,191
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,912
−HK$1,747/mo
Today · 4.125%
HK$67,659
baseline
▲ 0.50% · 4.625%
HK$71,225
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,318/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,240
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,394
−HK$2,188/mo
Today · 4.125%
HK$73,582
baseline
▲ 0.50% · 4.625%
HK$78,059
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,164/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,029
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,095
−HK$2,095/mo
Today · 4.125%
HK$81,190
baseline
▲ 0.50% · 4.625%
HK$85,470
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,380/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,780
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,293
−HK$2,553/mo
Today · 4.125%
HK$85,846
baseline
▲ 0.50% · 4.625%
HK$91,069
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,692/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,867
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,277
−HK$2,445/mo
Today · 4.125%
HK$94,722
baseline
▲ 0.50% · 4.625%
HK$99,715
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,444/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,860
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,091
−HK$3,282/mo
Today · 4.125%
HK$110,373
baseline
▲ 0.50% · 4.625%
HK$117,089
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,746/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,543
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,642
−HK$3,144/mo
Today · 4.125%
HK$121,786
baseline
▲ 0.50% · 4.625%
HK$128,205
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,572/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,427 · Scale 2, in force from 26 Feb 2026)