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$3,648/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,839/mo
Today · 4.125%
HK$61,808
baseline
▲ 0.50% · 4.625%
HK$65,568
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,616/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,703
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,438
−HK$1,761/mo
Today · 4.125%
HK$68,199
baseline
▲ 0.50% · 4.625%
HK$71,793
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,398/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,963
−HK$2,206/mo
Today · 4.125%
HK$74,169
baseline
▲ 0.50% · 4.625%
HK$78,682
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,338/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,643
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,726
−HK$2,112/mo
Today · 4.125%
HK$81,838
baseline
▲ 0.50% · 4.625%
HK$86,152
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,676/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,425
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,957
−HK$2,574/mo
Today · 4.125%
HK$86,531
baseline
▲ 0.50% · 4.625%
HK$91,796
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,062/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,584
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,013
−HK$2,465/mo
Today · 4.125%
HK$95,478
baseline
▲ 0.50% · 4.625%
HK$100,511
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,956/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,689
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,945
−HK$3,309/mo
Today · 4.125%
HK$111,254
baseline
▲ 0.50% · 4.625%
HK$118,023
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,508/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,465
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,589
−HK$3,168/mo
Today · 4.125%
HK$122,757
baseline
▲ 0.50% · 4.625%
HK$129,228
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,514/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,008 · Scale 2, in force from 26 Feb 2026)