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$57,694
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,488
−HK$1,824/mo
Today · 4.125%
HK$61,312
baseline
▲ 0.50% · 4.625%
HK$65,042
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,624/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,184
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,905
−HK$1,746/mo
Today · 4.125%
HK$67,651
baseline
▲ 0.50% · 4.625%
HK$71,217
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,302/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,233
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,386
−HK$2,188/mo
Today · 4.125%
HK$73,574
baseline
▲ 0.50% · 4.625%
HK$78,051
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,148/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,021
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,086
−HK$2,096/mo
Today · 4.125%
HK$81,182
baseline
▲ 0.50% · 4.625%
HK$85,461
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,364/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,771
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,284
−HK$2,552/mo
Today · 4.125%
HK$85,836
baseline
▲ 0.50% · 4.625%
HK$91,059
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,672/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,857
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,267
−HK$2,445/mo
Today · 4.125%
HK$94,712
baseline
▲ 0.50% · 4.625%
HK$99,704
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,424/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,849
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,079
−HK$3,282/mo
Today · 4.125%
HK$110,361
baseline
▲ 0.50% · 4.625%
HK$117,076
+HK$6,715/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,722/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,531
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,629
−HK$3,144/mo
Today · 4.125%
HK$121,773
baseline
▲ 0.50% · 4.625%
HK$128,191
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,546/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,313 · Scale 2, in force from 26 Feb 2026)