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$58,128
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,936
−HK$1,837/mo
Today · 4.125%
HK$61,773
baseline
▲ 0.50% · 4.625%
HK$65,531
+HK$3,758/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,546/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,666
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,401
−HK$1,759/mo
Today · 4.125%
HK$68,160
baseline
▲ 0.50% · 4.625%
HK$71,753
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,320/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,753
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,923
−HK$2,204/mo
Today · 4.125%
HK$74,127
baseline
▲ 0.50% · 4.625%
HK$78,638
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,254/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,600
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,681
−HK$2,111/mo
Today · 4.125%
HK$81,792
baseline
▲ 0.50% · 4.625%
HK$86,104
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,584/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,379
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,910
−HK$2,572/mo
Today · 4.125%
HK$86,482
baseline
▲ 0.50% · 4.625%
HK$91,744
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,964/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,533
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,961
−HK$2,463/mo
Today · 4.125%
HK$95,424
baseline
▲ 0.50% · 4.625%
HK$100,454
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,848/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,630
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,884
−HK$3,307/mo
Today · 4.125%
HK$111,191
baseline
▲ 0.50% · 4.625%
HK$117,957
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,382/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,400
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,521
−HK$3,167/mo
Today · 4.125%
HK$122,688
baseline
▲ 0.50% · 4.625%
HK$129,155
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,376/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,398 · Scale 2, in force from 26 Feb 2026)