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$57,861
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,660
−HK$1,829/mo
Today · 4.125%
HK$61,489
baseline
▲ 0.50% · 4.625%
HK$65,231
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,978/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,369
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,096
−HK$1,751/mo
Today · 4.125%
HK$67,847
baseline
▲ 0.50% · 4.625%
HK$71,423
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,694/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,433
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,593
−HK$2,194/mo
Today · 4.125%
HK$73,787
baseline
▲ 0.50% · 4.625%
HK$78,277
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,574/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,243
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,315
−HK$2,102/mo
Today · 4.125%
HK$81,417
baseline
▲ 0.50% · 4.625%
HK$85,708
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,834/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,005
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,525
−HK$2,560/mo
Today · 4.125%
HK$86,085
baseline
▲ 0.50% · 4.625%
HK$91,323
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,170/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,117
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,534
−HK$2,452/mo
Today · 4.125%
HK$94,986
baseline
▲ 0.50% · 4.625%
HK$99,993
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,972/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,149
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,389
−HK$3,291/mo
Today · 4.125%
HK$110,680
baseline
▲ 0.50% · 4.625%
HK$117,415
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,360/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,865
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,972
−HK$3,153/mo
Today · 4.125%
HK$122,125
baseline
▲ 0.50% · 4.625%
HK$128,562
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,250/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,423 · Scale 2, in force from 26 Feb 2026)