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$57,827
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,625
−HK$1,828/mo
Today · 4.125%
HK$61,453
baseline
▲ 0.50% · 4.625%
HK$65,192
+HK$3,739/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,906/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,332
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,057
−HK$1,750/mo
Today · 4.125%
HK$67,807
baseline
▲ 0.50% · 4.625%
HK$71,381
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,614/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,392
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,551
−HK$2,193/mo
Today · 4.125%
HK$73,744
baseline
▲ 0.50% · 4.625%
HK$78,231
+HK$4,487/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,488/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,198
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,268
−HK$2,101/mo
Today · 4.125%
HK$81,369
baseline
▲ 0.50% · 4.625%
HK$85,658
+HK$4,289/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,738/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,957
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,476
−HK$2,558/mo
Today · 4.125%
HK$86,034
baseline
▲ 0.50% · 4.625%
HK$91,269
+HK$5,235/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,068/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,064
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,480
−HK$2,450/mo
Today · 4.125%
HK$94,930
baseline
▲ 0.50% · 4.625%
HK$99,934
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,860/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,088
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,326
−HK$3,289/mo
Today · 4.125%
HK$110,615
baseline
▲ 0.50% · 4.625%
HK$117,346
+HK$6,731/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,230/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,797
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,903
−HK$3,150/mo
Today · 4.125%
HK$122,053
baseline
▲ 0.50% · 4.625%
HK$128,487
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,106/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,789 · Scale 2, in force from 26 Feb 2026)