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$57,732
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,527
−HK$1,825/mo
Today · 4.125%
HK$61,352
baseline
▲ 0.50% · 4.625%
HK$65,085
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,704/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,226
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,948
−HK$1,748/mo
Today · 4.125%
HK$67,696
baseline
▲ 0.50% · 4.625%
HK$71,264
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,392/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,278
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,433
−HK$2,189/mo
Today · 4.125%
HK$73,622
baseline
▲ 0.50% · 4.625%
HK$78,102
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,244/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,071
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,138
−HK$2,097/mo
Today · 4.125%
HK$81,235
baseline
▲ 0.50% · 4.625%
HK$85,517
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,470/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,824
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,338
−HK$2,555/mo
Today · 4.125%
HK$85,893
baseline
▲ 0.50% · 4.625%
HK$91,119
+HK$5,226/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,786/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,916
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,328
−HK$2,446/mo
Today · 4.125%
HK$94,774
baseline
▲ 0.50% · 4.625%
HK$99,770
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,548/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,917
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,149
−HK$3,284/mo
Today · 4.125%
HK$110,433
baseline
▲ 0.50% · 4.625%
HK$117,153
+HK$6,720/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,866/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,606
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,707
−HK$3,145/mo
Today · 4.125%
HK$121,852
baseline
▲ 0.50% · 4.625%
HK$128,275
+HK$6,423/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,704/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,016 · Scale 2, in force from 26 Feb 2026)