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$57,698
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,493
−HK$1,824/mo
Today · 4.125%
HK$61,317
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,634/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,189
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,910
−HK$1,747/mo
Today · 4.125%
HK$67,657
baseline
▲ 0.50% · 4.625%
HK$71,223
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,314/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,238
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,392
−HK$2,188/mo
Today · 4.125%
HK$73,580
baseline
▲ 0.50% · 4.625%
HK$78,057
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,160/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,027
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,092
−HK$2,096/mo
Today · 4.125%
HK$81,188
baseline
▲ 0.50% · 4.625%
HK$85,468
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,376/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,778
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,290
−HK$2,553/mo
Today · 4.125%
HK$85,843
baseline
▲ 0.50% · 4.625%
HK$91,066
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,686/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,864
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,274
−HK$2,445/mo
Today · 4.125%
HK$94,719
baseline
▲ 0.50% · 4.625%
HK$99,712
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,438/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,857
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,087
−HK$3,283/mo
Today · 4.125%
HK$110,370
baseline
▲ 0.50% · 4.625%
HK$117,085
+HK$6,715/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,740/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,540
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,639
−HK$3,143/mo
Today · 4.125%
HK$121,782
baseline
▲ 0.50% · 4.625%
HK$128,201
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,564/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,396 · Scale 2, in force from 26 Feb 2026)